KR101952216B1 - Method for managing quality of financial transaction and financial company server performing the same - Google Patents

Method for managing quality of financial transaction and financial company server performing the same Download PDF

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KR101952216B1
KR101952216B1 KR1020170094436A KR20170094436A KR101952216B1 KR 101952216 B1 KR101952216 B1 KR 101952216B1 KR 1020170094436 A KR1020170094436 A KR 1020170094436A KR 20170094436 A KR20170094436 A KR 20170094436A KR 101952216 B1 KR101952216 B1 KR 101952216B1
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transaction
financial
information
approval
terminal
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KR20180111438A (en
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노성일
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비씨카드(주)
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06395—Quality analysis or management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/20—Administration of product repair or maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

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Abstract

According to an embodiment of the present invention, there is provided a method for managing quality of a financial transaction server, the method comprising the steps of: (a) receiving a first transaction approval request from an affiliate terminal, Transmitting a transaction approval result for the first transaction, thereby completing the first transaction; (b) receiving a second transaction approval request including the first transaction completion information indicating completion characteristics of the first transaction from the franchisee terminal, storing the received first transaction completion information, Performing quality monitoring; And (c) transmitting a transaction approval result for the second transaction to the merchant terminal when the approval of the second transaction is determined, thereby completing the second transaction. Method is provided.

Description

METHOD FOR MANAGING QUALITY OF FINANCIAL TRANSACTION AND FINANCIAL COMPANY SERVER PERFORMING THE SAME,

The present invention relates to a quality management method for a financial transaction and a financial server for performing the same. More particularly, the present invention relates to a financial transaction server And monitoring the financial transactions on the basis of the first transaction completion information so that the quality control of the financial transactions can be performed through monitoring.

Recently, as payment using a credit card or a debit card has increased rather than payment using cash, an affiliate shop has been spreading to provide a financial service of a payment method using a card.

However, in providing such financial services, in a region where communication and transportation infrastructure are not developed, even if a problem occurs in a financial transaction due to a poor communication environment, there is a problem of not being able to recognize it, It is also difficult to respond to the occurrence.

In addition, due to the poor communication environment as described above, the quality of the transaction is not properly managed for the financial transaction, so that the quality of the transaction is deteriorated. As a result, there is a problem of avoiding the use of the financial service between the merchant and the user.

Accordingly, there is a growing demand for a method for enabling the use of financial services to be facilitated by providing a smooth settlement service by enabling quality control monitoring of financial transactions even in a region where communication environment is poor. It is urgent to solve the problem.

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide an information processing apparatus, The purpose of this is to enable financial services to be activated through quality control of financial transactions even in areas with poor communication environment.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method for managing quality of a financial transaction, the method comprising the steps of: (a) receiving a first transaction approval request from an affiliate terminal, Transmitting a transaction approval result for the first transaction to the merchant terminal so that the first transaction is completed; (b) receiving a second transaction approval request including the first transaction completion information indicating completion characteristics of the first transaction from the franchisee terminal, storing the received first transaction completion information, Performing quality monitoring; And (c) transmitting a transaction approval result for the second transaction to the merchant terminal when the approval of the second transaction is determined, thereby completing the second transaction. Method is provided.

The transaction completion information may include time information from the financial institution server to reception of a transaction approval result, transaction completion type information, transaction failure reason information, and merchant terminal location information after the transaction approval request is received And at least a part of the information is included.

And the quality monitoring result is transmitted to the administrator terminal.

The step (a) or (c) may include transmitting a transaction approval result including the rejection reason information to the merchant terminal when the transaction requested by the merchant terminal is rejected.

Wherein the step (b) comprises: (i) after the first transaction approval request, until the merchant terminal receives the transaction approval result for the first transaction from the financial company server (Ii) determining whether or not the function of the financial transaction is abnormal, and (iii) performing quality monitoring on the financial transaction by checking the location information of the franchise terminal .

The method of claim 1, wherein, in the step (c), when the quality of the financial transaction is judged to be abnormal through the quality monitoring, the approval for the second transaction is rejected, And transmitting the abnormal transaction occurrence information to the franchisee terminal.

According to another embodiment of the present invention, there is provided a method of supporting quality control for financial transactions, the method comprising the steps of: (A) determining whether or not to approve a first transaction approval request, Receiving a transaction approval result for the transaction; (B) storing first transaction completion information indicating completion characteristics of the first transaction; (C) transmitting a second transaction approval request including the first transaction completion information to the financial company server, and supporting the financial company server to perform quality monitoring on the financial transaction based on the first transaction completion information ; And (D) receiving a transaction approval result for the second transaction from the financial service server if it is determined that the second transaction is approved.

The method according to claim 1, wherein the step (B) includes receiving the rejection reason information in the first transaction completion information when the first transaction is rejected and a transaction approval result for the first transaction including the rejection reason information is received from the financial company server And storing the data.

The method of claim 1, wherein the step (D) comprises: monitoring quality of the financial transaction server; determining that the quality of the financial transaction is abnormal; rejecting approval of the second transaction; And receiving the transaction approval result for the second transaction including the information.

Meanwhile, according to another embodiment of the present invention, when a first transaction approval request is received from the merchant terminal and it is determined whether or not the approval is received, the transaction approval result for the first transaction is transmitted to the merchant terminal, A transaction approval section to make it possible; A transaction completion information storage unit for storing the received first transaction completion information when a second transaction approval request including first transaction completion information indicating completion characteristics of the first transaction is received from the affiliate terminal; And a transaction quality monitoring unit for performing quality monitoring on a financial transaction based on the first transaction completion information.

The transaction completion information may include time information from the financial institution server to reception of a transaction approval result, transaction completion type information, transaction failure reason information, and merchant terminal location information after the transaction approval request is received And at least a part of the information is included.

And the quality monitoring result is transmitted to the administrator terminal.

The transaction acceptance unit may transmit a transaction approval result including the rejection reason information to the merchant terminal when the transaction requested from the merchant terminal is rejected.

The transaction quality monitoring unit may be configured to determine, based on the first transaction completion information, (i) after the first transaction approval request, until the merchant terminal receives the transaction approval result for the first transaction from the financial company server (Ii) determining whether the function of the financial transaction is abnormal, and (iii) checking the location information of the franchise terminal to monitor the quality of the financial transaction.

Wherein the transaction approval unit causes the approval for the second transaction to be rejected when the quality of the financial transaction is abnormal through the quality monitoring and when the transaction approval result for the second transaction is transmitted, And transmits the generated information to the franchisee terminal.

Meanwhile, according to another embodiment of the present invention, when it is determined whether the first transaction approval request is approved, a transaction approval result for the first transaction is received from a financial company server, A transaction completion information temporary storage unit for storing first transaction completion information; And a second transaction approval request including the first transaction completion information to the financial company server to support a quality monitoring of the financial transaction based on the first transaction completion information, The merchant terminal is provided.

Wherein the transaction completion information temporary storage unit stores the approval rejection reason information in the first transaction completion information when the first transaction is rejected and the transaction approval result for the first transaction including the rejection reason information is received from the financial company server Can be included and stored.

Wherein the transaction completion information temporary storage unit is configured to determine whether the quality of the financial transaction is abnormal due to the quality monitoring performed in the financial company server and if the approval of the second transaction is rejected, And receive the transaction approval result for the second transaction including the generated information.

According to the embodiment of the present invention, since quality monitoring is performed on the financial transaction based on the transaction completion information received each time transaction approval is requested, no separate information transmission request or communication for monitoring the transaction quality is required , It is possible to monitor the quality of financial transactions even in a region where communication environment is poor, so that problems can be detected and initial response can be made in the event of a transaction abnormality, thereby providing a smooth financial service.

In addition, according to the embodiment of the present invention, since the financial transaction is managed through the transaction quality monitoring, the quality of the financial transaction can be maintained, and the absence of the transaction quality management And the problem of deterioration in the quality of the transaction can be solved.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

FIG. 1 is a view schematically showing a configuration of a quality management system for financial transactions according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of an affiliate terminal and a financial company server according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating a quality control process for a financial transaction according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

FIG. 1 is a view schematically showing a configuration of a quality management system for financial transactions according to an embodiment of the present invention.

Referring to FIG. 1, a quality management system for financial transactions according to an embodiment of the present invention includes an affiliate terminal 100, a financial company server 200, and an administrator terminal 300.

First, the franchise terminal 100, the financial company server 200, and the administrator terminal 300 may be connected to each other through a communication network. Here, the communication network may be configured without discriminating the communication modes such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like.

When the franchisee terminal 100 according to the embodiment performs the initial transaction, the franchise terminal 100 may transmit a transaction approval request including the payment information for the first transaction, which is the initial transaction, to the financial server 200. Here, the payment information may include payment means information, payment amount information, and the like.

When it is determined that the first transaction requested for approval is approved by the merchant terminal 100, the financial company server 200 transmits a transaction approval result for the first transaction to the merchant terminal 100 so that the first transaction is completed can do.

According to an embodiment of the present invention, when the transaction requested from the merchant terminal 100 is rejected, the financial company server 200 may transmit a transaction approval result including the rejection reason information to the merchant terminal 100.

The franchisee terminal 100 receiving the transaction approval result for the first transaction from the financial company server 200 can generate and store the first transaction completion information indicating the completion characteristic of the first transaction.

The transaction completion information includes time information from the financial institution server 200 to the financial institution server 200 after receiving the transaction approval request from the financial company server 200, Reason information, and location information of the franchisee terminal 100. [0050]

Accordingly, the merchant terminal 100 may be provided with a function of calculating the time information from the time when the payment means is recognized and the payment amount is input until the time when the transaction approval result is received, Function may be provided.

When the franchisee terminal 100 according to the embodiment performs the second transaction, the franchise terminal 100 may transmit an approval request for the second transaction to the financial company server 200. At this time, The second transaction approval request can be transmitted including the one transaction completion information.

That is, when performing the third transaction, the franchisee terminal 100 may transmit a third transaction approval request including the second transaction completion information to the financial company server 200.

The financial company server 200 according to an embodiment may store the first transaction completion information received from the merchant terminal 100 and convert the first transaction completion information into a database. That is, when the financial transaction server 200 receives the fourth transaction completion information together with the approval request for the fifth transaction from the merchant terminal 100, it stores the received fourth transaction completion information, 2, and 3 transaction completion information and accumulated transaction completion information, and records the transaction completion information in a database.

The financial company server 200 can perform quality monitoring on the financial transaction based on the first transaction completion information received and stored together with the second transaction approval request from the merchant terminal 100. [

In monitoring the quality of the financial transaction, the financial company server 200, based on the first transaction completion information received together with the second transaction approval request, transmits a transaction approval result for the first transaction from the merchant terminal 100) to be transmitted to the base station. Specifically, based on the time information required to complete the transaction for each of the transaction completion types such as transaction approval success and transaction approval failure, whether or not the required time information exceeds a predetermined threshold set in advance, If it is determined that the required time information exceeds a predetermined threshold, it can be determined that an abnormality has occurred in the financial transaction. Here, the preset predetermined threshold value may be set differently depending on the transaction completion type.

In addition, the financial service server 200 may determine whether there is an abnormality in the function of the financial transaction when monitoring the financial transaction quality. Specifically, monitoring can be performed by confirming the rejection reason information received together with the transaction approval result with respect to the rejected transaction. If it is confirmed that the transaction approval has been rejected due to the problem of communication with the merchant terminal 100 or communication , It can be judged that an abnormality has occurred in financial transactions.

Also, the financial company server 200 can confirm the location information of the franchise terminal 100 when monitoring financial transaction quality. Specifically, based on the transaction completion information received from the franchise terminal 100, the location information of the franchise terminal 100 previously registered in the financial company server 200 and the location information of the franchise terminal 100 received from the franchise terminal 100 The location information of the franchise terminal 100 previously registered in the financial company server 200 and the location information of the franchise terminal 100 included in the transaction completion information, If it is determined that the location of the franchise terminal 100 is not matched with the location of the franchise terminal 100, it can be determined that an abnormality has occurred in the financial transaction.

According to an embodiment of the present invention, the financial company server 200 may transmit the financial transaction quality monitoring result to the administrator terminal 300. The request may be received and transmitted from the administrator terminal 300, Can be automatically transmitted according to completion of the transmission. In addition, it is also possible to transmit the monitoring result to the administrator terminal 300 immediately upon determination of a financial transaction abnormality only when it is determined that there is an abnormality in the financial transaction through monitoring the quality of the financial transaction.

According to another embodiment of the present invention, when the financial transaction server 200 receives a transaction quality monitoring result transmission request for financial transaction from the merchant terminal 100, the financial transaction server 200 may transmit the monitoring result to the merchant terminal 100.

When the financial transaction server 200 according to the embodiment receives the second transaction approval request including the first transaction completion information from the franchise terminal 100, if it is determined that the second transaction is approved, The transaction approval result can be transmitted to the merchant terminal 100.

At this time, if it is determined through the transaction quality monitoring that there is an abnormality in the financial transaction, the financial company server 200 causes the transaction approval requested for the second transaction to be rejected, To the merchant terminal (100). Here, the abnormal transaction occurrence information may include the kind of transaction abnormalities, the time of occurrence, and transaction completion information that occurred over the transaction.

Accordingly, the franchisee terminal 100 stores the second transaction completion information indicating the completion characteristics of the second transaction based on the transaction approval result of the second transaction including the transaction abnormality occurrence information from the financial company server 200 When the transaction approval request for the third transaction is requested, the second transaction completion information may be included in the third transaction approval request and transmitted to the financial company server 200.

FIG. 2 is a block diagram illustrating the configuration of an affiliate terminal 100 and a financial company server 200 according to an exemplary embodiment of the present invention.

Referring to FIG. 2 (a), the merchant terminal 100 according to an embodiment of the present invention includes a transaction completion information temporary storage unit 110 and a transaction approval request unit 120.

The transaction completion information temporary storage unit 110 receives the transaction approval result for the first transaction from the financial company server 200 and determines whether the first transaction is completed or not, Complete information can be stored.

According to an embodiment of the present invention, the transaction completion information temporary storage unit 110 receives the transaction approval result for the first transaction including the reason for rejection approval from the financial company server 200 when the requested first transaction is rejected Accordingly, upon storing the first transaction completion information, the first transaction completion information may be stored including the reason for rejection of the first transaction.

The transaction completion information temporary storage unit 110 determines that the quality of the financial transaction is abnormal through the monitoring of the transaction quality performed by the financial company server 200 and if the approval of the requested transaction is rejected, Upon receipt of the transaction approval result, the transaction approval result including the information on the occurrence of the transaction error can be received.

The transaction approval requesting unit 120 may transmit a transaction approval request to the financial company server 200. When the transaction approval request is transmitted, the transaction approval request unit 120 transmits the transaction completion information on the completed transaction before transmitting the transaction approval request, It is possible to support the implementation of quality monitoring of financial transactions on a basis.

Specifically, when requesting approval for the second transaction, the transaction approval requesting unit 120 transmits a second transaction approval request including the first transaction completion information stored in the merchant terminal 100 to the financial company server 200 . Thus, the financial company server 200 can perform transaction quality monitoring based on the first transaction completion information.

2 (b), the financial company server 200 according to an embodiment of the present invention includes a transaction approval unit 210, a transaction completion information storage unit 220, and a transaction quality monitoring unit 230 .

When the transaction approval request is received from the merchant terminal 100, the transaction approval unit 210 may transmit the transaction approval result to the merchant terminal 100 to complete the transaction. Accordingly, the transaction completion information including the transaction approval result may be stored in the merchant terminal 100. [

According to an embodiment of the present invention, when the transaction requested from the franchise terminal 100 is rejected, the transaction acceptance unit 210 transmits a transaction approval result including the rejection reason information to the franchise terminal 100, When monitoring the transaction quality for future transactions, it may be possible to determine whether the financial transaction function is abnormal based on the rejection reason information.

When the second transaction approval request including the first transaction completion information indicating the completion characteristic of the first transaction is received from the merchant terminal 100, the transaction completion information storage unit 220 may store the received first transaction completion information have.

According to one embodiment of the present invention, when the fifth transaction approval request including the fourth transaction completion information is received from the franchisee terminal 100, the transaction completion information storage unit 220 stores the first, second, 3 transaction completion information and the fourth transaction completion information are stored together, so that the transaction completion information can be converted into a database.

The transaction quality monitoring unit 230 can monitor the quality of the financial transaction based on the transaction completion information of the first transaction received and stored together with the second transaction approval request from the franchisee terminal 100. [

Specifically, the transaction quality monitoring unit 230 checks the time information from when the merchant terminal 100 requests the financial transaction server 200 to approve the first transaction to when it receives the transaction approval result for the first transaction , It is determined whether there is any abnormality in the function of the financial transaction, and the quality of the financial transaction can be monitored by confirming the location information of the merchant terminal 100 further.

The process of checking the time information from the time when the franchisee terminal 100 requests the first transaction approval to the financial company server 200 to the time when the franchise terminal 100 receives the transaction approval result for the first transaction, Based on the time information from the time when the franchisee terminal 100 requested the first transaction approval to the financial institution server 200 included in the one transaction complete information to the time when the franchise terminal 100 receives the transaction approval result for the first transaction, It may be a process of confirming whether or not the transaction time consumed according to the completion type exceeds a predetermined threshold time set in advance, and the preset predetermined threshold time may be set differently according to the transaction result.

For example, supposing that a predetermined threshold time set in advance for successful transaction approval is two minutes and that a predetermined threshold time preset for the transaction approval rejection is three minutes, the first transaction is approved successfully, If the first transaction is approved but the predetermined threshold time set in advance for success of transaction approval is exceeded, it is possible that the transaction server 100 receives a transaction approval success result for the first transaction, 200) can be judged as abnormal in the financial transaction through monitoring the transaction quality.

Meanwhile, in the process of monitoring, the process of determining whether there is any abnormality in the function of the financial transaction is performed by judging whether there is abnormality in the performance of the financial transaction function by referring to the rejection reason information of the rejected transaction case Process.

For example, as a result of checking the first transaction completion information received together with the second transaction approval request from the merchant terminal 100, the first transaction is approved as a problem of an internal function failure of the merchant terminal 100 or a communication failure If it is confirmed that rejection rejection reason information is included, the financial company server 200 may judge that there is an abnormality in the financial transaction.

The process of checking the location information of the franchisee terminal 100 in the monitoring process may be performed by checking the location information of the franchisee terminal 100 previously registered in the financial company server 200 and the location information of the franchise terminal 100, And checking whether the location information of the franchise terminal 100 included in the transaction completion information corresponds.

For example, when the location information of the franchise terminal 100 included in the first transaction completion information does not correspond to the location information of the franchise terminal 100 previously stored in the financial company server 200, ) Can be judged as having an abnormal financial transaction.

If the transaction quality monitoring unit 230 determines that there is an abnormality in the transaction through the quality monitoring for the financial transaction, the transaction quality monitoring unit 230 may transmit the abnormality to the transaction approval unit 210 so that the approval of the transaction requested for approval is canceled.

Accordingly, the transaction acceptance unit 210 may allow the transaction requested from the merchant terminal 100 to be rejected, and transmit the transaction approval result including the transaction abnormality occurrence information when transmitting the transaction approval result to the merchant terminal 100 . Here, the abnormal transaction occurrence information may include information on the abnormal transaction type, time information on occurrence of abnormal transaction, and transaction completion information determined to be abnormal in the transaction.

In addition, the transaction quality monitoring unit 230 may transmit the result of the transaction quality monitoring performed by the administrator terminal 300. [ At this time, if the monitoring result transmission is determined to be transmitted by a request received from the administrator terminal 300 or abnormality in financial transaction through monitoring, the manager terminal 300 Lt; / RTI >

In addition, the transaction quality monitoring unit 230 may transmit the monitoring result only when it is determined that there is an abnormality in the financial transaction, so as not to cause the problem of the traffic overflow due to the transmission of the monitoring result.

Meanwhile, according to one embodiment of the present invention, if the transaction quality monitoring unit 230 receives the monitoring result transmission request from the merchant terminal 100, the transaction quality monitoring unit 230 provides real-time monitoring information to the merchant terminal 100 can do.

3 is a flowchart illustrating a quality control process for a financial transaction according to an embodiment of the present invention.

First, when the merchant terminal 100 performs the initial transaction, it may transmit a first transaction approval request including payment information to the financial company server 200 (S301).

The financial company server 200 determines whether the first transaction requested for approval is approved by the merchant terminal 100 in step S302 and transmits the first transaction approval result to the merchant terminal 100 in step S303. At this time, when the approval for the first transaction is rejected, the financial company server 200 may transmit the transaction approval result including the rejection reason information to the affiliate terminal 100. [

Upon receipt of the first transaction approval result from the financial company server 200, the franchisee terminal 100 may generate and store transaction completion information for the first transaction indicating completion characteristics of the first transaction (S304). The transaction completion information to be stored may include at least a part of the time information until the transaction is completed, the transaction completion type information, the transaction approval rejection reason information, and the location information of the affiliate shop terminal 100.

When the franchisee terminal 100 performs the second transaction, the franchisee terminal 100 may transmit the second transaction approval request to the financial company server 200 including the stored first transaction completion information (S305).

Accordingly, the financial company server 200 receiving the second transaction approval request can store the first transaction completion information received together with the transaction approval request (S306).

According to an embodiment of the present invention, when the merchant terminal 100 transmits the stored first transaction completion information by including it in the second transaction approval request, in order to prevent a problem caused by the flow of transaction completion information, The stored first transaction completion information may be deleted so that the transaction history is not recorded in the merchant terminal 100.

According to another embodiment of the present invention, the transaction completion information may include transaction completion information for a predetermined number of transactions according to a setting of a user.

The financial company server 200 transmits the second transaction approval request to the agent terminal 100 based on the first transaction completion information received from the merchant terminal 100 together with the time information indicating the time taken until the transaction is completed The time information from when the first transaction approval result is received to the franchise terminal 100) exceeds a predetermined threshold value, and determines whether or not the financial transaction function is abnormal And checks whether or not an abnormality has occurred in the financial transaction by checking whether the location information of the merchant terminal 100 corresponds to the location information of the merchant terminal 100 previously registered in the financial company server 200 (S307). ≪ / RTI >

Thereafter, the financial company server 200 can transmit the transaction quality monitoring result to the administrator terminal 300 (S308).

While performing the transaction quality monitoring, the financial company server 200 may determine whether or not to approve the second transaction requested for approval from the merchant terminal 100 (S309). If the transaction quality monitoring is performed and it is determined that an abnormality has occurred in the financial transaction, the financial company server 200 may be allowed to reject the approval for the second transaction.

When the approval of the second transaction is completed, the financial company server 200 transmits the second transaction approval result to the merchant terminal 100 (S310). As described above, The financial institution server 200 transmits the transaction abnormality occurrence information including the transaction abnormality type, the abnormality occurrence time information of the transaction, the transaction completion information that occurs in the transaction, etc. to the second It can be included in the transaction approval result.

Accordingly, the franchise terminal 100 receiving the second transaction approval result from the financial company server 200 may store the second transaction completion information (S311), and may be transmitted together with the third transaction approval request.

Thereafter, when a transaction occurs in the merchant terminal 100, steps S305 to S310 may be repeatedly performed.

For reference, in the present invention, transaction approval is performed in the financial company server 200, but there is a separate transaction approval server, and the transaction is approved through a separate transaction approval server. Of course.

As described above, according to the embodiment of the present invention, since quality monitoring is performed on the financial transaction based on the transaction completion information received every time transaction approval is requested, a separate information transmission request or communication for monitoring the transaction quality Therefore, it is possible to monitor the quality of financial transactions even in a region where communication environment is poor, and it is possible to detect problems and respond in the early stage when a transaction abnormality occurs, thereby providing a smooth financial service.

In addition, according to the embodiment of the present invention, since the financial transaction is managed through the transaction quality monitoring, the quality of the financial transaction can be maintained, and the absence of the transaction quality management And the problem of deterioration in the quality of the transaction can be solved.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Merchant terminal
110: Transaction completion information temporary storage unit
120: Transaction approval request section
200: Financial company server
210: Transaction Approval Department
220: Transaction completion information storage unit
230: Transaction Quality Monitoring Department
300: administrator terminal

Claims (18)

In a method for a financial service server to manage the quality of a financial transaction,
(a) completing a first transaction by transmitting a transaction approval result for the first transaction to the merchant terminal when the first transaction approval request is received from the merchant terminal and the approval is determined;
(b) receiving a second transaction approval request including the first transaction completion information indicating completion characteristics of the first transaction from the agent terminal, storing the received first transaction completion information, (Ii) whether the franchise terminal has an abnormality in the function of the financial transaction after the request for approval of the transaction is received from the financial institution server, (Iii) performing quality monitoring on the financial transaction by checking the location information of the merchant terminal; And
(c) if the quality of the financial transaction is judged to be abnormal through the quality monitoring, when the transaction approval result for the second transaction is transmitted to the merchant terminal including the transaction abnormality occurrence information, And allowing the transaction to be completed.
The method according to claim 1,
The transaction completion information includes:
The transaction completion type information, the transaction failure reason information, and the franchise terminal position information after the transaction approval request is received, the time spent from the transaction terminal approval request to the merchant terminal to receive the transaction approval result from the financial company server As a feature, quality control method for financial transactions.
The method according to claim 1,
Wherein the quality monitoring result is transmitted to the administrator terminal.
The method according to claim 1,
The step (a) or (c)
And transmitting a transaction approval result including rejection reason information to the merchant terminal when the transaction requested by the merchant terminal is rejected.
delete The method according to claim 1,
The step (c)
And if the quality of the financial transaction is determined to be abnormal, the quality monitoring is performed to cause the approval for the second transaction to be rejected.
A method for assisting a merchant terminal in quality control of a financial transaction,
(A) receiving a transaction approval result for the first transaction from a financial company server if the first transaction approval request is approved;
(B) storing first transaction completion information indicating completion characteristics of the first transaction;
(C) transmitting a second transaction approval request including the first transaction completion information to the financial company server, and (i) after the first transaction approval request is made, based on the first transaction completion information, (Ii) determining whether or not the function of the financial transaction is abnormal; (iii) determining whether or not the franchisee terminal has received the transaction approval result for the first transaction from the financial company server, Supporting quality monitoring of the financial transaction by confirming location information of the terminal; And
(D) When the quality of the financial transaction is judged to be abnormal through the quality monitoring performed by the financial company server, the transaction approval result for the second transaction including the abnormal transaction occurrence information is received from the financial company server The quality management support method for financial transactions.
8. The method of claim 7,
The step (B)
And storing the approval rejection reason information in the first transaction completion information when the first transaction is rejected and the transaction approval result for the first transaction including the rejection reason information is received from the financial company server , Quality management support methods for financial transactions.
8. The method of claim 7,
The step (D)
When the quality of the financial transaction is determined to be abnormal and the approval for the second transaction is rejected through the quality monitoring performed by the financial company server, And receiving a transaction rejection result for the transaction.
The first transaction is completed by transmitting a transaction approval result for the first transaction to the merchant terminal when the first transaction approval request is received from the merchant terminal and it is determined whether or not the first transaction approval request is received, A transaction approval unit that transmits the transaction abnormality occurrence information to the franchise terminal when the transaction approval result for the second transaction is determined to be abnormal;
A transaction completion information storage unit for storing the received first transaction completion information when a second transaction approval request including first transaction completion information indicating completion characteristics of the first transaction is received from the affiliate terminal; And
(I) after the first transaction approval request is received, the franchise terminal confirms the time information from the financial company server to the time it takes to receive the transaction approval result for the first transaction, (ii) judging whether or not there is an abnormality in the function of the financial transaction, and (iii) checking the location information of the franchise terminal, thereby performing quality monitoring on the financial transaction.
11. The method of claim 10,
The transaction completion information includes:
The transaction completion type information, the transaction failure reason information, and the franchise terminal position information after the transaction approval request is received, the time spent from the transaction terminal approval request to the merchant terminal to receive the transaction approval result from the financial company server Featured, financial company server.
11. The method of claim 10,
And the quality monitoring result is transmitted to the administrator terminal.
11. The method of claim 10,
The transaction acceptance unit,
And transmits a transaction approval result including the rejection reason information to the merchant terminal when the transaction requested by the merchant terminal is rejected.
delete 11. The method of claim 10,
The transaction acceptance unit,
And if the quality of the financial transaction is judged to be abnormal, the approval of the second transaction is rejected through the quality monitoring.
Receiving a transaction approval result for the first transaction from the financial company server and storing first transaction completion information indicating a completion characteristic of the first transaction when the first transaction approval request is approved; (I) after receiving the first transaction approval request, the time information from the financial company server until the transaction approval result for the first transaction is received to the merchant terminal is confirmed based on the first transaction completion information, (ii) (Iii) if it is determined that the quality of the financial transaction is abnormal through the quality monitoring performed by confirming the location information of the merchant terminal, A transaction completion information temporary storage unit for receiving a transaction approval result for a second transaction including the abnormality occurrence information; And
A transaction approval request unit for transmitting a second transaction approval request including the first transaction completion information to the financial company server and supporting the financial company server to perform quality monitoring on the financial transaction based on the first transaction completion information Including merchant terminals.
17. The method of claim 16,
Wherein the transaction completion information temporary storage unit comprises:
Wherein when the first transaction is rejected and a transaction approval result for the first transaction including the rejection reason information is received from the financial company server, the agent terminal stores the rejection reason information in the first transaction completion information.
17. The method of claim 16,
Wherein the transaction completion information temporary storage unit comprises:
When the quality of the financial transaction is determined to be abnormal and the approval for the second transaction is rejected through the quality monitoring performed by the financial company server, A merchant terminal that receives a transaction rejection result for a transaction.
KR1020170094436A 2017-03-30 2017-07-25 Method for managing quality of financial transaction and financial company server performing the same KR101952216B1 (en)

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