KR100894153B1 - Overseas Account Specialized Inquiry System, Inquiry Device and Inquiry Method - Google Patents

Abstract

Disclosed is a foreign account professional inquiry system, an inquiry device, and an inquiry method, which classify foreign account transaction details by customer and provide them as an electronic document in an easy-to-use form.

The overseas account professional inquiry system according to the present invention includes an input / output interface unit, a specialized analysis unit, and a specialized data classification unit.

In addition, the overseas account professional inquiry apparatus according to the present invention includes an input and output interface unit for receiving the specialized data, and a transaction statement generation unit for generating a transaction statement file from the specialized data.

In addition, the foreign account full text inquiry method according to the present invention includes a professional input step, a professional analysis step and a specialized data classification step.

By using the foreign account professional inquiry system, inquiry device and inquiry method according to the present invention, the contents of the Swift full text of the overseas account can be classified by customer and provided as an electronic document in the form of easy inquiry and utilization.

Description

Overseas Account Inquiry System, Inquiry Device and Inquiry Method {SYSTEM, APPARATUS AND METHOD FOR PROVIDING STATEMENTS OF OVERSEAS BANK ACCOUNT}

The present invention relates to a foreign account professional inquiry system, a query device and a query method, and more specifically, the foreign account transaction history information included in the full text transmitted through the Swift network by classifying the customer by the type of easy to query and use The present invention relates to a foreign account professional inquiry system, an inquiry device, and an inquiry method provided by an electronic document.

The SWIFT, or the Society for Worldwide Interbank Financial Telecommunication (SWIFT), is a non-profit corporation whose purpose is to conduct payment and remittance services between major banks around the world through data communications.

Payments and remittances between foreign banks are carried out through the Swift protocol (hereinafter referred to as the "Swift Protocol") and data communication networks (hereinafter referred to as the "Swift Network").

The Swift Protocol defines a message type for a telegram (hereinafter referred to as a "Swift Telegram") for sending and receiving all information about a specific deposit account, such as remittance details and transfer details, through the Swift network.

The message type according to the Swift protocol is determined from MT100 to MT900. In particular, the full text for checking the balance and checking transaction details is defined as the data type "MT940".

Therefore, in general, in order to inquire transaction details of an account held by a bank customer (customer company) abroad, a full text of an MT940 message type among Swift texts is transmitted and received between banks through the Swift network.

1 is a diagram illustrating an example of an MT940 message type swift message.

A customer who has an account overseas is provided with a full MT940 message type Swift message as shown in FIG. 1 at a domestic bank branch. The full Swift text contains transaction details for foreign accounts.

However, in order to understand the specific transaction details by analyzing the Swift full text of FIG. 1, there is a problem that a professional man who can interpret the Swift full text is required.

In addition, even if the transaction history is confirmed by analyzing the Swift full text, the transaction history information included in the Swift full text in the printed form is reflected in the client's corporate accounting system or the enterprise resource management system (so-called "ERP system"). There was a problem that a procedure of manually inputting transaction details into a corporate accounting system should be accompanied.

Furthermore, the Swift full text contains multiple account information for various clients, so that it is difficult to select the transaction details by customer and account by hand in order to check the transaction details of a specific overseas account of a specific client. .

The present invention has been conceived to solve the above problems, the foreign account professional inquiry system, inquiry apparatus and inquiry method for providing the contents of the Swift telegram transmitted through the Swift network as an electronic document in the form of easy inquiry and utilization The purpose is to provide.

The overseas account professional inquiry system according to the present invention includes an input / output interface unit for receiving an original Swift full message, a special analysis part for analyzing the contents of the original Swift full message, and generating first specialized data and the first specialized data. On the basis of the customer identification information, the first specialized data includes a specialized data classification unit for generating a second specialized data classified by the customer company.

In addition, the foreign account professional inquiry device according to the present invention, the input and output interface to receive the specialized data classified by the customer by analyzing the original Swift, and the transaction history generation to generate a transaction statement file of a predetermined format from the specialized data Contains wealth.

In addition, the foreign account full text inquiry method according to the present invention, the full text input step for receiving the original Swift full text, the specialized interpretation step for generating the first professional data by interpreting the contents of the original Swift full text and the first professional data On the basis of the included customer identification information, and includes a specialized data classification step of generating a second professional data classified by the first professional data for each customer company.

By using the overseas account inquiry system, inquiry device and inquiry method according to the present invention, the Swift message transmitted through the Swift network can be classified by customer and provided as an electronic document in a form that can be easily searched and utilized. .

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. .

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, and the like described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. Can be.

In addition, in order to explain the overseas account professional inquiry system, inquiry apparatus and inquiry method according to the present invention, a swift message of the MT940 message type will be described as an example. Therefore, it should be understood that the expression "Swift Full Text" mentioned below is a Swift Full Text of the MT940 message type. However, the Swift full message of the MT940 message type is merely an example, and it is clear that the foreign account professional inquiry system, the inquiry apparatus, and the retrieval method according to the present invention may be similarly applied to other Swift full messages other than the MT940 message type. .

2 is a block diagram of a foreign account professional inquiry system according to a first embodiment of the present invention.

As shown in FIG. 2, the foreign account professional inquiry system 10 according to the first embodiment of the present invention includes a domestic bank foreign exchange system 170, a plurality of client terminals 140a, 150a, ..., and an accounting system 140b. , 150b, ...).

In addition, the domestic bank foreign exchange system 170 is connected through a plurality of foreign banks foreign exchange system 160 and the Swift network 110, from the foreign bank foreign exchange system 160 possesses the corresponding customer opened in each foreign bank of the clients Receive Swift full text of transaction details of an account.

When the Swift full text (hereinafter referred to as "original Swift full text") is input from the domestic bank foreign exchange system 170 to the foreign account full text inquiry system 10, the foreign account full text inquiry system 10 interprets and interprets the original Swift full text message. Swift full text is categorized by each customer and each foreign account.

In the past, there was no method of automatically classifying the contents of the Swift text by each client company or each overseas account, and it was necessary to rely on manual labor to analyze and classify the Swift text by the human resources.

However, the overseas account professional inquiry system 10 according to the present invention enables such automatic sorting operation based on the unique identification code and the overseas account opening report for each customer already held by the domestic bank.

That is, the overseas account professional inquiry system 10 generates the first specialized data by analyzing the original Swift full text, and then again includes the customer identification information included in the first specialized data (for example, the first full text using account number information). The second specialized data generated by classifying the data by the customer is generated.

In order to classify the second specialized data by the client company, the client's business registration number may be used, and the business registration number may be searched in the customer company database 122 of the domestic bank foreign exchange system 170.

Thereafter, the foreign account professional inquiry system 10 displays the second professional data classified by each client company and the overseas account by the terminal of each client company (140a, 150a, FIG. 2) or the accounting system (140b, 150b of FIG. 2). ,…).

Terminals 140a, 150a, ... or accounting systems 140b, 150b, ... of each customer company can be converted to the desired data format of the second professional data received from the overseas account professional inquiry system 10 can be utilized.

3 is a block diagram of a foreign account professional inquiry system according to a first embodiment of the present invention.

The foreign account professional inquiry system 10 of FIG. 3 includes an input / output interface unit 100, a professional analyzer 110, a first expert data storage unit 120, a second expert data storage unit 125, and the like. The professional data classification unit 130 is included.

The input / output interface 100 is connected to a domestic bank foreign exchange system (170 in FIG. 2), a client terminal (140a, 150a, ... in FIG. 2), and a client accounting system (140b, 150b, ... in FIG. 2).

The input / output interface 100 receives data such as an original Swift full text and a business registration number for each client from the domestic bank foreign exchange system (170 of FIG. 2). Further, the second professional data is transmitted to the account terminal (140a, 150a, ... in FIG. 2) and the accounting system (140b, 150b, ... in FIG. 2) or the second professional data transmission request signal is received.

Next, the full text analysis unit 110 analyzes the original Swift full text received by the input / output interface unit 100 to open the first professional data including information such as an open bank and branch, account number, transaction history included in the full text Create

The interpretation of the original Swift full text is made with reference to the full text analysis table stored in the full text analysis part 110, and the analyzed text data, that is, the first text data is stored in the first text data storage part 120.

Table 1 shows an example of a specialized analysis table.

Status Tag Field name Content / Options No. M 20 Transaction Reference Number 16x One O 21 Related Reference 16x 2 M 25 Account Identification 35x 3 M 28C Statement Number / Sequence Number 5n [/ 5n] 4 M 60a Opening Balance F or M 5 -----> O 61 Statement Line 6 O 86 Information to Account Owner * 65x 7 ----- | M 62a Closing Balance (Booked Funds) F or M 8 O 64 Closing Available Balance (Available Balance) 1! A6! N3! A15d 9 -----> O 65 Forward Available Balance 1! A6! N3! A15d 10 ----- | O 86 Information to Account Owner 6 * 65x 11

As shown in Table 1, the full text analysis table contains the message type, status, tag, field name, content / options, and serial number (No) according to the Swift protocol. .) And so on.

Taking the first tag shown in Table 1 as an example, the contents of the original Swift full text are as follows.

That is, the 20th tag [Tag: 20] is a tag that must be included in [Shift: M (Mandatory)] essential to the Swift telegram, and has a 16x data format [Field Name] with a Transaction Reference Number [Field Name]. It can be seen that the tag has Content / Options: 16x]. On the other hand, according to the Swift protocol, tag 20 is defined as a reference number designated by the source bank to uniquely identify the corresponding message.

The rest of the tags are interpreted in this manner, and the detailed descriptions are omitted since they are already defined in the Swift protocol.

The professional data classification unit 130 classifies the first professional data interpreted by the professional analysis unit 110 and stored in the professional data storage unit 120 by the customer company and the opened overseas account.

The identification criteria of the client company used for classification of the first specialized data should be a value uniquely assigned to each client company. As an example of such identification criteria, a business registration number of a client company is used.

The professional data classification unit 130 searches the business registration number of the client company of the first professional data by referring to the customer company database of the domestic bank foreign exchange system with the account number included in the first professional data.

When the business registration number is searched, the professional data classification unit 130 generates the second professional data in which the first professional data is classified by the corresponding business registration number and stores it in the second professional data storage unit 125.

Thereafter, the second professional data is transmitted to the terminal (140a, 150a, ... of FIG. 2) or the accounting system (140b, 150b, ... of FIG. 2) of each client company.

In the terminal (140a, 150a, ... of FIG. 2) or the accounting system (140b, 150b, ... of FIG. 2) of each customer company, after receiving the second professional data can be converted to the desired data format.

4 is a block diagram illustrating an example of a customer terminal of FIG. 2.

The same reference numerals are given to the same components as those of FIGS. 2 and 3 among the components of FIG. 4. In addition, the customer terminal 40 of FIG. 4 corresponds to any of the customer terminal terminals 140a and 150a of FIG.

As shown in FIG. 4, the terminal 40 of the client company includes an input / output interface unit 400, a transaction history generator 410, and a controller 420.

The customer company terminal 40 performs a role of a foreign account professional inquiry device for receiving the professional data, that is, the second professional data classified by the business registration number of the corresponding client company from the overseas account professional inquiry system 10.

The input / output interface 400 of the customer terminal 40 is connected to the input / output interface 100 of the overseas account inquiry system 10 via the Internet 130. The input / output interface unit 400 transmits the second specialized data request signal to the overseas account professional inquiry system or receives the second professional data from the overseas account specialist inquiry system. In addition, the transaction statement file generated from the received second professional data may be transmitted to an accounting system, an ERP system, or a money management system (hereinafter referred to as an "accounting system").

There are two major client requests regarding the format of the transaction statements.

The first is a request for a natural language transaction statement in text format that can be easily interpreted without the expertise of Swift interpretation.

In the past, since the transaction history information of the foreign account was provided only as a full text as shown in FIG. 1, a manpower having expertise for interpreting the Swift text was required to confirm the transaction history.

The foreign account professional inquiry system 10 according to the first embodiment of the present invention provides a natural language transaction statement translated into text which can be easily understood without the knowledge of the Swift telegram.

To this end, the first embodiment of the present invention includes a natural language transaction statement generation unit and a natural language transaction statement template for translating Swift full text into natural language.

The second is a request for transaction statement data in binary file format that can reflect the transaction history included in the Swift text to the client's accounting system without any manual work.

In the past, only original Swift full texts (mainly printed documents) were provided to customers, so even if the experts interpreted the contents contained in the Swift full text, the contents included in the full text were entered to enter the corporate accounting system. It was inconvenient to prepare the transaction details manually. In addition, there was a fear that errors may occur in the data due to mistakes in the process of preparing the data.

In the first embodiment of the present invention, by converting the classified Swift full text into a binary file that can be input to the accounting system of each client, the transaction history information included in the Swift full text can be input to the accounting system as it is. do.

The transaction statement generation unit 410 generates a transaction statement based on the second specialized data received by the input / output interface unit 400 from the overseas account inquiry system.

The control unit 420 transmits the second professional data request signal to the overseas account professional inquiry system, receives the second professional data, generates a transaction statement, outputs the generated transaction statement, or transmits the generated account statement to the accounting system. Control the overall operation made in the customer terminal 40.

On the other hand, there are two data formats of the transaction statement generated by the transaction statement generation unit 410, one of which is a natural language transaction statement file consisting of natural language text, and the other is a file format that can be input to the client's accounting system. Generated binary transaction statement file.

5 is a block diagram illustrating in more detail the transaction statement generation unit of FIG. 4.

As shown in FIG. 5, the transaction statement generation unit 410 may include a natural language transaction statement generation unit 412 and a natural language transaction statement template 414 for generating a natural language transaction statement, and a binary for generating a binary transaction statement. The transaction statement generation unit 416 and the binary statement of transaction template 418 may be included.

The natural language transaction history generation unit 412 generates a text document in which the contents of the second specialized data are translated into natural language. At this time, the natural language transaction statement generation unit 342 refers to the natural language transaction statement template 344 to perform the natural language translation operation.

Table 2 is an example of the second specialized data received from the overseas account professional inquiry system.

Explanation Professional message Sender CHASUS33 Message Type 940 Receiver MIDLGB22 Message Text Transaction Reference Number : 20: 123456 Account Identification : 25: 123-304958 Statement Number / Sequence Number : 28C: 123/1 Opening Balance : 60F: C980622USD395212311,71 1st Transaction : 61: 980625C50000000, NTRFNONREF // 8951234 ORDER BK OF NYC WESTERN CASH RESERVE 2nd Transaction : 61: 980626C200000, NFEX036960 // 8954321 3rd Transaction : 61: 980626C200000, NDIVNONREF // 8846543 Information to Account Owner : 86: DIVIDEND LORAL CORP PREFERRED STOCK 1 ^ST QUARTER 1998 Closing Book Balance : 62F: C980623USD451112311,71 Closing Available Balance : 64: C980623USD445212311,71 Forward Available Balance : 65: C980625USD450912311,71 Forward Available Balance : 65: C980626USD451112311,71 General Info to Acct Owner : 86: PRIME RATE AS OF TODAY 11 PCT End of Message Text / Trailer

The second professional data in Table 2 relates to the Swift Telegram that New York Chase Manhattan Bank sent to London Midland Bank for a 123-304958 account held by New York Chase Manhattan Bank by a specific client named Transglobal.

The natural language transaction statement generation unit 412 generates a natural language transaction statement according to the natural language transaction statement template 414 based on the contents of Table 2.

Table 3 is an example of a natural language transaction statement generated by the natural language transaction statement generation unit 412.

Transaction Statement Bank of Manhattan, New York Chase sends the full MT940 for Transglobal's 123-304958 account to London Midland Bank. The statement number is 123. (Chase Manhattan Bank, New York, sends an MT940 to Midland Bank, London, for account number 123-304958, of Transglobal Corp. The statement number is 123.) Closing Balance of Previous Statement (22 June 1998): Opening Balance as of 23 June 1998: USD 395,212,311.71 (Credit) USD 395,212,311.71 (Credit) Traansaction Details: (1) Value date: 23 June 1998 Transaction type: non-SWIFT transfer Reference for the Account Owner: None Chase Nanhattan Banks Reference: 8951234 Details: Ordering Institution = Bk of NYC Western Cash Resercve Credit: USD 50,000,000 (2) Value date: 25 June 1998 Transaction type: Settlement of F / X Contract Reference for the Account Owner: 036960 Chase Nanhattan Banks Reference: 8954321 Credit: USD 5,700,000 (3) Value date: 26 June 1998 Transaction type: Dividend Reference for the Account Owner: None Chase Nanhattan Bank ■ s Reference: 8846543 Information for the Account Owner: Dividend Loral Corp Preferred stock 1st quarter 1998 Credit: USD 200,000 Closing Book Balance as of 23 June 1998: USD 451,112,311.71 (Credit) Closing Available Balance: USD 445,212,311.71 (Credit) Forward Available Balance:    As of 25 June 1998: USD 450,912,311.71 (Credit)    As of 26 June 1998: USD 451,112,311.71 (Credit) General information: Prime rate as of today 11 pct

The natural language transaction statement of Table 3 is a natural language transaction statement having a markup language such as XML, HTML, or SGML in addition to the simple text (.txt) format, as specified by the natural language transaction statement template 414. Can also be generated.

Meanwhile, the binary transaction statement generation unit 416 generates a transaction statement in the form of a binary file that can be input to the accounting system of the client from the second specialized data.

In order to input the full text message illustrated in Table 2 without any manual editing of the document, it should be in accordance with the input document format required by the client's accounting system. For example, you may need only a few items from each item in a statement, or you can specify a specific document format (for example, Microsoft's Excel file format (.xls) or database file format (.db, .dbf, .gdb, etc.). There may be requirements such as the need to be generated, or to match the data type of each item in the transaction statement.

The binary transaction statement template 414 stores information on an input document format required by the client's accounting system. Accordingly, the binary transaction statement generation unit 416 may input the second transaction history data into the accounting system of the client by referring to the information on the format of the input document of the accounting system of the corresponding client stored in the binary statement of transaction template 414. It can be created as a binary transaction statement file.

On the other hand, the input and output interface 400 is also connected to the accounting system (not shown) of the customer.

The binary transaction statement file generated by the binary transaction statement generation unit 416 may be transmitted to the accounting system of the client company through the input / output interface unit 400.

On the other hand, the client terminal 40 may further include a transaction history output unit 420 to confirm the contents of the natural language transaction history file.

When the transaction statement output unit 420 generates the natural language transaction statement file in the transaction statement generation unit 410, the transaction statement output unit 420 outputs the contents of the natural language transaction statement file to a display device such as a monitor or to a printing device such as a printer. It plays a role.

In addition, the customer company terminal 40 may further include a transaction statement storage unit 430 for storing the natural language transaction statement file or binary transaction statement file generated by the transaction statement generator 410. Transaction record storage unit 430 is made of a storage device, such as a hard disk.

In the above-described embodiment, the client terminal becomes an overseas account inquiry apparatus installed on the client side, and the binary transaction statement file generated by the client terminal is transmitted to the accounting system.

On the other hand, the client accounting system becomes an overseas account inquiry device installed on the client side, and the natural language transaction statement file is generated in the accounting system and transmitted to the client terminal, or the client terminal accesses the accounting system to query the natural language transaction statement file. An embodiment is also possible.

In this case, the customer company terminal 40 of FIG. 4 may be regarded as the accounting system 40, and description of other parts is the same as described above, and thus the description thereof will be omitted.

6 is a block diagram of a foreign account professional inquiry system according to a second embodiment of the present invention.

The difference between the second embodiment of the present invention and the first embodiment of the present invention shown in FIG. 6 is that the first embodiment transmits the classified swift text data to each customer, while the second embodiment is the classified swift text message. Based on the data, the transaction statement (text file or a binary file of a predetermined format) is generated on its own, and the transaction statement is transmitted at the request of the client.

As shown in FIG. 6, the foreign account professional inquiry system 30 according to the second embodiment of the present invention includes an input / output interface unit 300, a professional analysis unit 310, a professional data classification unit 320, The first professional data storage 320, the second professional data storage 325, and a transaction history generator 340 are included.

The input / output interface unit 300 of the second embodiment corresponds to the input / output interface unit 100 of the first embodiment and performs the same function as the input / output interface unit 100. Therefore, a detailed description of the operation of the input and output interface unit 300 will be omitted.

Similarly, the full text interpreter 310 is the full text interpreter 110, the full data classifier 330 is the full data classifier 130, and the first professional data storage 320 is the first full data storage part. The second professional data storage unit 325 corresponds to the second professional data storage unit 125, respectively.

Meanwhile, in the second embodiment, as described above, the transaction history generation unit generates a transaction statement based on the second specialized data stored in the second specialized data storage unit 325 after being classified by each customer and account number. 340 is further included.

As described above, there are two types of data of the transaction statement generated by the transaction statement generation unit 340, one of which is a natural language transaction statement file composed of natural language text, and the other may be input to the client's accounting system. Binary transaction statement file created in file format.

7 is a block diagram illustrating in more detail the transaction statement generation unit of FIG. 6.

As shown in FIG. 7, the transaction statement generation unit 340 may include a natural language transaction statement generation unit 342 and a natural language transaction statement template 344 for generating a natural language transaction statement, and a binary for generating a binary transaction statement. The transaction statement generation unit 346 and the binary statement of transaction template 348 may be included.

The natural language transaction record generation unit 342 generates a text document in which the contents of the second specialized data stored in the second specialized data storage 320 are translated into natural language. At this time, the natural language transaction statement generation unit 342 refers to the natural language transaction statement template 344 to perform the natural language translation operation.

Table 4 is an example of the second specialized data stored in the second specialized data storage 325.

Explanation Professional message Sender CHASUS33 Message Type 940 Receiver MIDLGB22 Message Text Transaction Reference Number : 20: 123456 Account Identification : 25: 123-304958 Statement Number / Sequence Number : 28C: 123/1 Opening Balance : 60F: C980622USD395212311,71 1st Transaction : 61: 980625C50000000, NTRFNONREF // 8951234 ORDER BK OF NYC WESTERN CASH RESERVE 2nd Transaction : 61: 980626C200000, NFEX036960 // 8954321 3rd Transaction : 61: 980626C200000, NDIVNONREF // 8846543 Information to Account Owner : 86: DIVIDEND LORAL CORP PREFERRED STOCK 1 ^ST QUARTER 1998 Closing Book Balance : 62F: C980623USD451112311,71 Closing Available Balance : 64: C980623USD445212311,71 Forward Available Balance : 65: C980625USD450912311,71 Forward Available Balance : 65: C980626USD451112311,71 General Info to Acct Owner : 86: PRIME RATE AS OF TODAY 11 PCT End of Message Text / Trailer

The second professional data in Table 4 relates to the Swift Telegram that New York Chase Manhattan Bank sent to London Midland Bank for a 123-304958 account held by a specific client, Trans Global, held at Chase Manhattan Bank, New York.

The natural language transaction statement generation unit 342 generates a natural language transaction statement according to the natural language transaction statement template 344 based on the contents of Table 4 below.

Table 5 is an example of a natural language transaction statement generated by the natural language transaction statement generation unit 342.

Transaction Statement Bank of Manhattan, New York Chase sends the full MT940 for Transglobal's 123-304958 account to London Midland Bank. The statement number is 123. (Chase Manhattan Bank, New York, sends an MT940 to Midland Bank, London, for account number 123-304958, of Transglobal Corp. The statement number is 123.) Closing Balance of Previous Statement (22 June 1998): Opening Balance as of 23 June 1998: USD 395,212,311.71 (Credit) USD 395,212,311.71 (Credit) Traansaction Details: (1) Value date: 23 June 1998 Transaction type: non-SWIFT transfer Reference for the Account Owner: None Chase Nanhattan Bank's Reference: 8951234 Details: Ordering Institution = Bk of NYC Western Cash Resercve Credit: USD 50,000,000 (2) Value date: 25 June 1998 Transaction type: Settlement of F / X Contract Reference for the Account Owner: 036960 Chase Nanhattan Bank's Reference: 8954321 Credit: USD 5,700,000 (3) Value date: 26 June 1998 Transaction type: Dividend Reference for the Account Owner: None Chase Nanhattan Bank's Reference: 8846543 Information for the Account Owner: Dividend Loral Corp Preferred stock 1st quarter 1998 Credit: USD 200,000 Closing Book Balance as of 23 June 1998: USD 451,112,311.71 (Credit) Closing Available Balance: USD 445,212,311.71 (Credit) Forward Available Balance:    As of 25 June 1998: USD 450,912,311.71 (Credit)    As of 26 June 1998: USD 451,112,311.71 (Credit) General information: Prime rate as of today 11 pct

The natural language transaction statement of Table 5 is a natural language transaction statement having a markup language such as XML, HTML, or SGML in addition to the simple text (.txt) format, as specified by the natural language transaction statement template 344. Can also be generated.

Meanwhile, the binary transaction statement generation unit 346 generates a transaction statement in the form of a binary file that can be input to the accounting system of the corresponding client from the second expert data stored in the second expert data storage 325.

In order to input the full-text message illustrated in Table 4 without any manual editing of the document, it should be in accordance with the input document format required by the client's accounting system. For example, you may need only a few items from each item in a statement, or you can specify a specific document format (for example, Microsoft's Excel file format (.xls) or database file format (.db, .dbf, .gdb, etc.). There may be requirements such as the need to be generated, or to match the data type of each item in the transaction statement.

The binary transaction statement template 348 stores information about an input document format required by the client's accounting system for each client. Accordingly, the binary transaction statement generation unit 346 refers to the input document format according to the binary transaction statement template 348 for the specific client, and stores the second transaction history data stored in the second specialized data storage unit 325. It can be generated as a binary statement file that can be entered into the accounting system.

Meanwhile, the input / output interface unit 300 is also connected to at least one client terminal 140a, 150a, ... and the accounting system 140b, 150b, ... through a communication network 130 such as the Internet.

The natural language transaction statement file generated by the natural language transaction statement generation unit 342 and the binary transaction statement file generated by the binary transaction statement generation unit 346 are connected to the terminals 140a, 150a,. ) Or to accounting systems 140b, 150b,... Natural language transaction statement file may be printed as a paper document through a printing device connected to the input and output interface unit 300 of course.

8 is a flow chart showing the flow of the overseas account professional inquiry method according to a first embodiment of the present invention.

As shown in FIG. 8, the overseas account full text inquiry method according to the first embodiment of the present invention includes a professional input step S100, a professional analysis step S110, a professional data classification step S120, and a professional data transmission step. (S130).

In the professional input step (S100), the original Swift full text is received from the domestic bank foreign exchange system connected to the communication network to the foreign account professional inquiry system. This original Swift full text was sent from one of at least one foreign bank foreign exchange system connected to the domestic bank foreign exchange system via the Swift network.

In the professional interpretation step (S110), an interpretation of the original Swift full text received in the professional input step (S100) is performed.

The interpretation of the original Swift full text is performed by referring to the full text analysis table stored in the special analysis section of the overseas account inquiry system. Stored.

Next, in the specialized data classification step (S120), the first specialized data stored in the first specialized data storage unit is classified by the customer company and the opened overseas account. Professional data classification step (S120) is performed in the professional data classification unit of the overseas account professional inquiry system.

The identification criteria of the client company used for classification of the first specialized data should be a value uniquely assigned to each client company. As an example of such identification criteria, a business registration number of a client company is used.

In the specialized data classification step (S110), the specialized data classification unit searches for a business registration number to which the corresponding first specialized data belongs by referring to the customer company database of the domestic bank foreign exchange system with the account number included in the first specialized data.

When the business registration number to which the first professional data belongs is searched, in the specialized data classification step S110, the first professional data is converted into classified professional data, that is, the second professional data to store the second professional data of the overseas account professional inquiry system. Stored in wealth.

Then, in the professional data transmission step (S130), the second professional data stored in the second professional data storage unit in response to the transfer request from the domestic bank foreign exchange system or each client's terminal or accounting system terminal (Fig. 2) 140a, 150a, ...) or the accounting system (140b, 150b, ... of FIG. 2).

9 is a flow chart showing the flow of the overseas account professional inquiry method according to a second embodiment of the present invention.

As shown in Figure 9, the foreign account professional inquiry method according to a second embodiment of the present invention is a professional input step (S200), a professional analysis step (S210), a professional data classification step (S220), transaction history generation Step S230 and transaction statement transmission step (S240).

As described above, the difference from the first embodiment is that in the second embodiment, a natural language transaction statement or a binary transaction statement is generated based on the classified specialized data (second specialized data). Generation of the transaction statement is performed in the transaction statement generation step (S230).

The professional input step (S200) of the second embodiment is the professional input step (S100) of the first embodiment, the professional analysis step (S210) is the professional analysis step (S110), and the professional data classification step (S220) is the professional data classification step. Since each corresponds to (S120), detailed description thereof will be omitted.

On the other hand, in the transaction history generation step (S230), the overseas account transaction history of each customer classified by each customer's business registration number, the foreign account is generated in the data format according to the customer's request. Transaction history generation step (S130) is performed in the transaction history generation unit of the overseas account professional inquiry system.

The transaction history generation step (S230) is a step of generating a transaction statement in natural language text in a form that can be easily understood even if there is no specialized knowledge regarding the Swift full text (hereinafter referred to as "natural language transaction statement generation step"). And / or generating a binary transaction statement file in the form of an input document required by the accounting system of the client (hereinafter referred to as "binary transaction statement generation step").

The natural language transaction statement generation step is performed in the natural language transaction statement generation unit of the overseas account inquiry system. At this time, the natural language transaction statement generation unit generates a natural language transaction statement based on the natural language transaction statement template, and thus the transaction statement has a format and format designated by the natural language transaction statement template.

Similarly, the binary transaction statement generation step is performed in the binary transaction statement generation unit of the overseas account inquiry system. In addition, since the binary transaction statement generation unit generates a transaction statement file based on the binary transaction statement template for the specific client, the binary transaction statement file also has the input document format and format of the client's accounting system specified by the binary transaction statement template. .

In the transaction history transmission step (S240), the natural language transaction statement file or binary transaction statement file is transmitted to the terminal or the accounting system of the client company.

The generated transaction statement may be automatically generated in real time according to the original Swift message received and transmitted to the client's accounting system and terminal, or a transaction statement may be generated by processing a plurality of Swift messages periodically or aperiodically. .

In addition, in response to the transaction statement generation request signal from the client terminal or the accounting system of the customer input through the input and output interface unit may be a transaction history for the foreign account of the customer is generated and transmitted.

10 is a flow chart showing the flow of the overseas account professional inquiry method performed in the customer terminal according to the third embodiment of the present invention.

As shown in Figure 10, the overseas account professional query method performed in the customer terminal is a professional data receiving step of receiving the professional data (S300), and a transaction history generation step of generating a transaction statement file from the received professional data (S310) It is made, including.

First, in the specialized data receiving step (S300), the client terminal is connected to the overseas account professional inquiry system receives the specialized data, that is, the "second professional data" classified with respect to the business registration number of the corresponding client company.

Next, in the transaction history generation step (S310), a natural language transaction statement file or a binary transaction statement file is generated.

At this time, for generating a natural language transaction statement file or binary transaction statement file, a natural transaction statement template including the file format information and format information of the natural language transaction statement, or a binary transaction including file format information and format information of the binary transaction statement The transaction history file is generated based on the statement template as in the transaction statement generation step S230 of the second embodiment.

On the other hand, the difference from the transaction statement generation step (S230) in the second embodiment is as follows.

First, in the second embodiment, the transaction history is generated in the transaction history generation unit of the foreign account professional inquiry system connected to the domestic bank side system. In addition, a transaction record is generated for all customers accessing the relevant foreign account inquiry system.

On the other hand, in the third embodiment, the transaction history is generated in the transaction history generation unit on the client terminal. Therefore, since only the second professional data about the corresponding customer is received, only the transaction statement of the corresponding customer is generated.

On the other hand, if the binary transaction statement is generated in the transaction history generation step (S310), a step (S320) in which the generated binary transaction statement is transmitted to the accounting system of the corresponding account may be further included after the transaction history generation step (S310). .

In addition, storing the natural language transaction statement file or binary transaction statement file generated in the transaction history generation step (S310) in the transaction history storage unit provided in the customer terminal or the system connected to the customer terminal (S330) and also in the transaction history generation step ( It may be further included after (S310).

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a diagram showing an example of an MT940 message type Swift full text;

2 is a block diagram of a foreign account professional inquiry system according to a first embodiment of the present invention,

3 is a block diagram of a foreign account professional inquiry system according to a first embodiment of the present invention,

4 is a block diagram showing an example of a customer terminal of FIG. 2;

5 is a block diagram showing in more detail the transaction statement generation unit of FIG.

6 is a block diagram of a foreign account professional inquiry system according to a second embodiment of the present invention;

7 is a block diagram showing in more detail the transaction statement generation unit of FIG.

8 is a flow chart showing the flow of the overseas account professional inquiry method according to a first embodiment of the present invention,

9 is a flow chart showing the flow of the overseas account professional inquiry method according to a second embodiment of the present invention,

10 is a flow chart showing the flow of the overseas account professional inquiry method performed in the customer terminal according to the third embodiment of the present invention.

Claims (29)

delete A specialized analysis unit including a specialized analysis table defining each field of the full text according to the Swift protocol, and interpreting the contents of the original Swift full text based on the full text analysis table to generate the first professional data; Based on the customer identification information and the overseas account opening set included in the first professional data, the professional data classification unit for generating the second professional data classified by the first professional data by the customer company and foreign accounts, A transaction statement template having at least one form of account-specific form information for generating a transaction statement file according to a form of a client company corresponding to the customer identification information; A transaction statement generation unit for generating a transaction statement file according to the form of the client company based on the form-specific template information of the transaction statement template from the second specialized data; Input / output interface unit for receiving the original Swift full text, and transmits the transaction statement file to the client terminal corresponding to the customer identification information Overseas account professional inquiry system, including. delete The method of claim 2, The account information for each account is a foreign account professional inquiry system, which is first form information including file format information and form information of a transaction form of a text form of the client corresponding to the customer identification information. The method of claim 4, wherein The transaction statement generation unit, the foreign account professional inquiry system for generating a transaction statement file of the text format from the second specialized data based on the first form information. delete The method of claim 2, The account information for each account is a foreign account professional inquiry system, which is second form information including file format information and form information of a binary form of the transaction statement of the customer corresponding to the customer identification information. The method of claim 7, wherein The transaction statement generation unit, the foreign account professional inquiry system for generating a transaction statement file of the binary format from the second specialized data based on the second form information. delete delete delete delete delete delete delete delete delete delete As a specialized method for retrieving foreign accounts in a foreign account professional inquiry system including a professional analysis unit, a professional data classification unit, an input / output interface unit, a transaction statement generation unit, and a transaction statement template, A professional input step for receiving the original Swift full text from the domestic bank's foreign exchange system, A specialized analysis step of generating a first specialized data by interpreting the contents of the original Swift specialized text by the specialized interpreter; A specialized data classification step of generating, by the specialized data classification unit, the second specialized data classifying the first specialized data for each customer based on the customer identification information and the overseas account opening report included in the first specialized data; A transaction statement generation step of generating, by the transaction statement generation unit, a transaction statement file of a format corresponding to the customer identification information of the transaction statement template from the second specialized data; A specialized data transmission step of transmitting, by the input / output interface unit, the transaction statement file to a terminal of a client company corresponding to the customer identification information corresponding to the transaction statement file; Overseas account professional inquiry method in the overseas account professional inquiry system comprising a. The method of claim 19, The transaction statement generation step is a natural language transaction statement generation step of generating a transaction statement file of the text format from the second specialized data, the overseas account professional inquiry method in the foreign account professional inquiry system. The method of claim 20, The natural language transaction statement generation step may be performed in a foreign account professional inquiry system for generating a transaction statement file of the text format related to the second specialized data based on a natural language transaction statement template having at least one first form information for each client. How to find the full text of your account. The method of claim 19, The transaction statement generation step is a binary transaction statement generation step of generating a transaction statement file of the binary format from the second specialized data foreign account professional inquiry method in a foreign account professional inquiry system. The method of claim 22, The binary transaction statement generation step may be performed in a foreign account specialized inquiry system for generating a binary transaction statement file of the second specialized data based on a binary transaction statement template having at least one second form information for each client. How to find the full text of your account. delete delete delete delete delete delete

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