MULTIPLEXING SYSTEM FOR FINANCIAL PAYMENT NETWORK, FINANCIAL SERVICE METHOD USING SAME, AND COMPUTER PROGRAM FOR SAME

摘要

According to the present invention, a multiplexing system for a financial payment network comprises: a transmission/reception module receiving a financial business processing request from a use institution or a user who uses a service of the use institution and transmitting a processing result corresponding to the financial business processing request to the use institution or the user; a financial service execution module transmitting the financial business processing request to a financial institution through any one from one or more communication modes using an application programming interface (API) provided from the financial institution or a communication module mode using an exclusive line connected to the financial institution to receive the processing resu and a control module determining the communication mode of the financial service execution module for processing a financial business based on a communication state of the financial service execution module. Accordingly, a fintech provider can provide an open banking or open API type communication network used for a service such as simple payment and the like, in a hybrid type, thereby implementing stable service provision and reducing costs.;COPYRIGHT KIPO 2020