KR100625787B1 - Method for international financial service with twin accocunt - Google Patents

Abstract

The present invention relates to a method for processing international financial services, comprising registering a twin account linked to a foreign account to a host computer of a domestic financial institution networked with a host computer of a foreign financial institution, When there is a request for a financial transaction for an account, the financial transaction for the twin account is executed based on the approval from the branch terminal of the foreign financial institution located in the home country and the financial transaction calculation result from the host computer of the foreign financial institution.

International, Finance, Account, Wire Transfer, Deposit

Description

How to handle international financial business using twin accounts {METHOD FOR INTERNATIONAL FINANCIAL SERVICE WITH TWIN ACCOCUNT}

1 is a view showing the configuration of an international financial business system using a twin account according to an embodiment of the present invention.

2 is a flowchart illustrating a remittance service processing method using twin accounts according to an embodiment of the present invention.

3 is a flowchart illustrating a method for processing a remittance service using twin accounts according to an embodiment of the present invention.

4 is a flowchart illustrating a remittance service processing method using twin accounts according to an embodiment of the present invention.

5 is a flowchart illustrating a deposit processing process using twin accounts according to an embodiment of the present invention.

The present invention relates to a method and system for performing international financial services, and more particularly, to a method for processing a wire transfer and a deposit using a twin account linked to an account registered with a financial institution of another country. will be.

Recently, as so-called multinational corporations increase and foreign investments in Korea increase, branches of foreign financial institutions are generally established and operated in Korea to support their financial transactions.

However, the number of branches of foreign financial institutions is not as small as that of domestic financial institutions, and it is not possible to use domestic financial infrastructure such as Internet banking, phone banking, ATM, etc. There was a problem that can not be smooth financial transactions.

In other words, in order to make a financial transaction using an account registered at an overseas financial institution, a window transaction must be made by visiting a branch of the foreign financial institution, which causes time and economic loss. For example, if a branch of a foreign financial institution equipped with a terminal connected to a host computer of a foreign financial institution is located in Seoul, an overseas company conducting business in Busan visits a branch of a foreign financial institution located in Seoul each time for financial transactions. There was a problem that should be.

On the other hand, in recent years, with the development of communication technology, a so-called Internet banking system that performs financial transactions using communication means, in particular, the Internet, has become widespread. In the case of using Internet banking, financial transactions can be performed without time and space restrictions. The demand is increasing rapidly, and various infrastructures are being built to support financial transactions through internet banking.

However, in order to use the Internet banking, for example, the host computer must be connected to the domestic financial computer network, the procedure for using the domestic electronic financial joint network is complicated, and the public certificate must be used, and the banking service providing the Internet banking service is required. Prerequisites, such as an account registered on the institution's host computer, must be met.

However, it is practically impossible for the above-described foreign financial institution to satisfy the same prerequisites as the domestic financial institution, and therefore, there are many difficulties in performing financial transactions in Korea using an account registered with the foreign financial institution.

Accordingly, the present invention is to solve the above problems, an object of the present invention is to provide an international financial business processing method that can smoothly perform financial transactions in the country by using an account registered in a host computer of a foreign financial institution. It aims to do it.

In addition, an object of the present invention is to provide an international financial business processing method that can secure the safety of financial transactions by utilizing a terminal terminal provided at a branch of a foreign financial institution located in the country.

In order to achieve the above object, the present invention uses a branch terminal of a foreign financial institution located in a home country and connected to a network by the foreign host computer from a foreign account registered in a foreign host computer of a foreign financial institution. A method of processing an international remittance service of remitting a designated amount to a receiving account of a host country, wherein a host account of a host computer connected to a network of the host computer of another country is linked to the foreign account. Twin account registration step of registering; A remittance request receiving step of receiving a remittance request from the twin account to the receiving account; A remittance approval request step of transmitting the remittance request information to the branch terminal and requesting remittance approval; A remittance approval receiving step of receiving the remittance approval from the branch terminal; Remittance result information receiving step of receiving a remittance calculation result for the foreign account processed from the foreign host computer based on the remittance request information received from the branch terminal; A twin account updating step of updating the twin account with respect to the transfer of the designated amount; And a remittance proceeding step of executing a remittance service of the designated amount to the receiving account.

Preferably, the remittance proceeding step is performed only when the remittance approval is received in the remittance approval receiving step and the remittance processing result is received in the remittance result information receiving step.

Preferably, the twin account updating step is performed only when the remittance approval is received in the remittance approval receiving step and the remittance processing result is received in the remittance result information receiving step.

Preferably, the step of receiving a transfer request, the transfer request is received through the Internet banking using a web-based server-client program.

Preferably, the remittance approval request step, and transmits the remittance request information using a web-based server-client program.

Preferably, the step of receiving the remittance result information, receiving the remittance calculation result from the host computer through at least one network of a virtual private network, a private network, public network.

Preferably, the foreign account of the foreign host computer and the twin account of the local host computer are synchronized at a set time point.

In addition, the present invention for achieving the above object is, from the remittance account of the own country, using the branch terminal of the foreign financial institution located in the home country and connected to the network of the foreign host computer, the designated amount of the foreign host of the other financial institution An international deposit processing method for depositing a foreign account registered in a computer, wherein the host computer connected to the foreign host computer by a network connects a twin account linked to the foreign account. Twin account registration step of registering; A deposit request receiving step of receiving a deposit request from the remittance account to the twin account; A deposit approval request step of transmitting the deposit request information to the branch terminal and requesting a deposit approval; A deposit approval receiving step of receiving the deposit approval from the branch terminal; A deposit result information receiving step of receiving a deposit calculation result for the foreign account processed from the foreign host computer based on the deposit request information received from the branch terminal; A twin account updating step of updating the twin account with respect to the deposit of the deposit amount; And a deposit processing step of executing a deposit service of the designated amount into the receiving account.

Preferably, the deposit proceeding step is performed only when the deposit approval is received in the deposit approval receiving step and the deposit calculation result is received in the deposit result information receiving step.

Preferably, the twin account update step is performed only when the deposit approval is received in the deposit approval receiving step and the deposit calculation result is received in the deposit result information receiving step.

Preferably, the deposit request receiving step is received through the electronic financial common network.

Preferably, the deposit approval request step, and transmits the deposit request information using a web-based server-client program.

Preferably, the deposit result information receiving step, receives the deposit calculation results from the host computer through one or more networks of a virtual private network, private network, public network.

Preferably, the foreign account of the foreign host computer and the twin account of the local host computer are synchronized at a set time point.

1 shows a configuration of a financial transaction system according to the present invention.

As shown in FIG. 1, a host computer 100 of a domestic financial institution and a branch terminal 200 of a foreign financial institution are provided in a home country, and a host computer 300 of a foreign financial institution is provided in another country.

The branch terminal 200 of the other financial institution is connected to the host computer 300 of the other financial institution through a network set to support the financial transaction for the foreign account registered in the other financial institution in the home country.

Meanwhile, the branch terminal 200 of the other financial institution is connected to the host computer 100 of the domestic financial institution through a network.

Twin accounts linked to other accounts are registered in the host computer 100 of the domestic financial institution, and the host computer 100 of the domestic financial institution and the branch terminal 200 are configured in a set data communication method, for example, a web-based client server program. Exchange data by

At this time, the account holder terminals 400 of the foreign accounts and the twin accounts are connected to the host computer 100 of the local financial institution through the Internet 600 to perform financial transactions using a data communication method, for example, a web-based client server program. Request or look up the results of financial transactions.

The host computer 100 of the domestic financial institution is connected to the electronic financial community network 700 of the home country and performs financial transactions with one or more affiliated organizations 500 connected to the electronic financial community network 700.

In addition, the host computer 100 of the domestic financial institution is connected to the host computer 300 of the foreign financial institution through a network 800, for example, a virtual private network (VPN) or a private network.

The data exchanged between the host computer 100 of the domestic financial institution and the host computer 300 of the foreign financial institution is encrypted by the set means.

Let's take a closer look at each of the components.

The host computer 300 of another financial institution is provided with a firewall 310, a relay unit 320, and a host unit 300.

The firewall 310 is responsible for the security of the network 800 that is connected to the host computer 100 of the domestic financial institution.

The relay unit 320 converts the format of the information about the account stored in the host computer 300 of the foreign financial institution and the format of the information stored in the host computer 100 of the domestic financial institution.

The host unit 330 performs an overall process of registering an account, storing and managing information on a registered account, depositing, remitting, and other financial transactions.

On the other hand, the host computer 100 of the domestic financial institution includes a CMS server (Cash Management Server) 150, the electronic financial community network server 160, the first firewall 140, the second firewall 130.

The firewall 140 is responsible for the security of the host computer 100 of the local financial institution that is connected to the host computer 300 of the other financial institution and the network 800, the firewall 130 is a local finance connected to the Internet 600 It is responsible for the security of the host computer 100 of the organization.

In addition, the CMS server 150 performs an overall process for registering an account in the host computer 100 of a domestic financial institution, storing and managing information on a registered account, depositing, remitting, and other financial transactions.

The electronic financial joint network server 160 relays a financial transaction with the affiliated organization 500 through the electronic financial joint network 700.

The branch terminal 200 includes a web client unit 210 and a branch terminal unit 220, and is connected to the host computer 100 of the local financial institution through the Internet 600, and is set by another station. It is connected to the host computer 300 of the financial institution.

The web client unit 210 receives the transfer request information, the transfer request information, the transfer approval and the transfer approval from the host computer 100 of the domestic financial institution, and sends the host computer of the domestic financial institution to the approval or impossibility of the request. Send to 100.

The host computer 100 of the domestic financial institution and the host computer 200 of the foreign financial institution are synchronized at a set time to maintain the correspondence between the basic account of the other country and the twin account.

That is, the information of the financial transaction for the foreign account made through only the host computer 200 of the foreign financial institution is reflected in the twin account registered in the host computer 200 of the local financial institution through a synchronization process that is executed at the set time.

The set time point may be determined as a time point when the host computer 200 of another financial institution completes the processing of the financial transaction or according to a set time interval.

The branch terminal unit 220 inquires of the host unit 330 of the host computer 100 of another financial institution, for example, whether or not the financial transaction is possible and receives the result, and receives the result of the calculation of the financial transaction. To the host computer 100 of the domestic financial institution.

The account holder terminal 400 is preferably provided as a personal computer, PDA, wireless mobile communication means capable of accessing the Internet, and transmits and receives information to and from the CMS server 150 of the host computer 100 of the domestic financial institution. The web client unit 410 and an authorized certificate 410 as an authentication means for performing Internet banking.

It is apparent that the ID and password authentication means can be used without using the authentication certificate 410 as the authentication means.

Hereinafter, the international financial transaction method according to the embodiment of the present invention using the above-described international financial transaction system will be described in detail through specific embodiments.

Example 1

1. Remittance business using twin accounts

2 and 3 are flowcharts illustrating a process of performing an international money transfer processing method according to an embodiment of the present invention using the system shown in FIG. 1.

As shown in FIG. 3, in step S200, an account holder having a foreign account registered to a host computer of a foreign financial institution is connected to the host computer of the local financial institution affiliated with the foreign financial institution through the account holder terminal 400. Register a twin account at 100).

Here, the twin account is a linked account linked to the base account, the financial transaction details of the base account is reflected in the twin account, on the contrary, the financial transaction details of the twin account are reflected in the base account, maintaining the integrity of the account details to be.

By registering a twin account in the host computer 100 of the domestic financial institution, a financial transaction for another account can be performed in the same manner through the twin account registered in the host computer 100 of the domestic financial institution.

When a twin account is registered in the host computer 100 of a domestic financial institution and the account holder wants to transfer money to the affiliated institution 500 of the own country, the account holder operates the account holder terminal 400 to define a web defined as a so-called Internet banking service. The remittance request is made by accessing the host computer 100 of the domestic financial institution via an authentication means set on the client program, preferably an authorized certificate.

In step S215, the host computer 100 of the domestic financial institution receives the transfer request.

The remittance request transmitted from the account holder terminal 400 includes information for processing a remittance such as a name, a collection account number, and an amount of another financial institution.

In step S220, the host computer 100 of the domestic financial institution transmits the information about the result of the remittance request received to the branch terminal 200 and requests the transfer approval.

As described above, the branch terminal 200 is provided with a web-based client program, and information about the transfer request and the transfer approval transmitted by the host computer 100 of the domestic financial institution is inquired through the client program.

The branch terminal 200 of the foreign financial institution located in the home country is connected to the host computer 300 of the foreign financial institution, and performs the same role as the terminal provided at the so-called window of the foreign financial institution.

Therefore, in step S230, the branch terminal operator located in the branch of the foreign financial institution operates the branch terminal 200 to examine whether the information on the transfer request meets the prescribed transfer requirements, and then the host computer 300 of the foreign financial institution. ) Transmits the remittance calculation result to the host computer 100 of the domestic financial institution.

The remittance calculation result means, for example, information about another country's account after performing accounting processing for deducting the remittance amount from another country's account.

In addition, in step S240, the branch terminal operator located in the branch of the foreign financial institution operates the branch terminal 200 when the completion of the review whether the information on the transfer request meets the prescribed remittance requirements is completed the domestic banking approval Transfer to the host computer 100 of the institution.

Therefore, the host computer 100 of the domestic financial institution receives the remittance approval from the branch terminal 200 in step S245, and receives the remittance calculation result from the host computer 300 of another country in step S253.

In this case, since the information of the foreign account managed by the host computer 300 of the foreign financial institution and the twin account managed by the host computer 100 of the domestic financial institution are managed in different formats, the remittance calculation result At the time of transmission, the host computer 100 of the domestic financial institution needs to be converted into the same format as the twin account information managed.

Therefore, it is preferable that the format relay unit 320 of the host computer 300 of the foreign financial institution converts the remittance calculation result into a twin account format managed by the host computer 300 of the domestic financial institution and transmits the result.

Specifically, the format conversion refers to converting digits, formats, types, and the like as mutually recognizing the specialized formats of the account information processed through the internal computer network of the bank.

In addition, since the remittance calculation result includes one or more information related to the financial transaction, the remittance calculation result transmitted must be encrypted and transmitted.

In this case, the encryption algorithm used in the encryption process may be selected from any one or more encryption algorithms including DES, IDEA, AES, SEED, preferably, the block encryption method having an input / output statement size of 128 bits Encrypted using SEED.

In step S256, the host computer 100 of the domestic financial institution updates the registered twin account based on the transferred money transfer calculation result, and proceeds in step S260.

In step S260, the remittance proceeds by simply receiving the remittance approval from the branch terminal 200 and the remittance approval from the branch terminal 200 and the remittance from the host computer 300 of another financial institution. When receiving the calculation result may include a method for proceeding with the transfer.

In addition, in step S256, the updating of the twin accounts simply updates the twin accounts when receiving the remittance approval, and when receiving the remittance calculation result from the host computer 300 of the foreign financial institution, the method of calculating the updated result and the branch terminal. Receiving the transfer approval from the (200) and may also include a method for updating the twin account when receiving the result of the transfer calculation from the host computer 300 of the foreign financial institution.

Progress of step S256 and S260 may be selectively operated according to the specific embodiment.

The remittance is preferably using a Cash Management Service (CMS), and the remittance amount is transferred to a receiving account of an affiliated institution such as a bank, a securities company, and a credit card company through the electronic financial community network 700.

In step S270, the host computer 100 of the domestic financial institution transmits the remittance processing result to the account holder terminal 400 requesting the remittance when the remittance process is completed.

Example 2

2. Deposit transactions using twin accounts

4 and 5 are flowcharts showing a process of performing an international deposit processing method according to an embodiment of the present invention using the system shown in FIG.

As shown in FIG. 3, in step S400, an account holder having a foreign account registered to a host computer of a foreign financial institution is connected to the host computer of the local financial institution affiliated with the foreign financial institution through the account holder terminal 400. Register a twin account at 100).

In step S410, after the twin account is registered in the host computer 100 of the domestic financial institution, the deposit is requested from the affiliated institution 500, for example, banks, securities companies, credit card companies through the financial computer network 700, In step S415, the host computer 100 of the domestic financial institution receives the deposit request.

When the host computer 100 of the domestic financial institution requests a deposit, the host computer 100 of the domestic financial institution temporarily withholds the deposited amount, and when the conditions for deposit approval and accounting described below are satisfied, The deposit will be made to the requested account.

The deposit request transmitted from the affiliated organization 500 includes information for processing the deposit, such as the name of the sender, the remittance account number, the deposit account number, and the amount of money.

In step S420, the host computer 100 of the domestic financial institution transmits the information about the received deposit request to the branch terminal 200 and requests the deposit approval.

As described above, the branch terminal 200 is provided with a web-based client program, and information about the deposit request and the deposit approval transmitted by the host computer 100 of the domestic financial institution is inquired through the client program.

The branch terminal 200 of the other financial institution is connected to the host computer 300 of the other financial institution and performs the same role as the terminal provided at the so-called window of the other financial institution.

In operation S430, the branch terminal operator located at the branch of the foreign financial institution operates the branch terminal 200 to examine whether the information on the deposit request conforms to the prescribed deposit requirements, and then sends it to the host computer 300 of the foreign financial institution. The transfer request is sent to the host computer 100 of the domestic financial institution.

The result of the deposit calculation means, for example, information about another country's account after adding up the amount of money from another country's account and performing accounting processing.

Further, in step S440, the branch terminal operator located at the branch of the foreign financial institution operates the branch terminal 200, the deposit requirements for which the information on the deposit request is specified, for example, the depositor's identity, the deposit account's identity, etc. After confirming that the credit card is matched with the deposit, the deposit approval is transmitted to the host computer 100 of the local financial institution.

The host computer 100 of the domestic financial institution receives the deposit approval from the branch terminal 200 in step S445, and receives the deposit calculation result from the host computer 300 of the other country in step S453.

Similar to the above-mentioned remittance business processing using twin accounts, the relay unit 320 of the host computer 300 of the foreign financial institution converts the deposit calculation result into the format of the twin account managed by the host computer 300 of the domestic financial institution. do.

In addition, since the deposit calculation result includes one or more information related to the financial transaction, the deposit calculation result transmitted is encrypted and transmitted, and the encryption method is processed in the same manner as the above-described remittance business processing using twin accounts.

In step S456, the host computer 100 of the domestic financial institution updates the registered twin account based on the received deposit calculation result, and proceeds to deposit in step S460.

In the step S460, the deposit proceeds to the twin account if only the approval is received from the branch terminal 200, and the deposit is received from the branch terminal 200 and the host computer 300 of the financial institution of another country. When receiving a deposit calculation result from the may include a method for proceeding with the deposit to the twin account.

In addition, in the step S456, the twin account is renewed if only the approval is received, and the twin account is renewed, and when the deposit calculation result is received from the host computer 300 of the foreign financial institution, the method and the point of checking and paying the updated result. The method may include updating a twin account when receiving a deposit approval from the terminal 200 and receiving a deposit calculation result from the host computer 300 of another financial institution.

Progress of step S456 and S460 may be selectively operated according to the specific embodiment.

In operation S470, when the deposit processing is completed, the host computer 100 of the domestic financial institution transmits a remittance processing result for the requested remittance request to the account holder terminal 400 of the deposited twin account.

According to the international financial business processing method and system according to the present invention, it is possible to perform a financial transaction smoothly without time and space restrictions in the home country by using an account registered in a host computer of another financial institution.

In addition, according to the international financial business processing method and system according to the present invention, using the branch terminal provided in the branch of the other financial institution located in the country receives the approval of the financial transaction, the accounting processing calculated from the host computer of another country By receiving the results, it is possible to secure the security of financial transactions and at the same time to ensure the consistency of twin accounts with other accounts.

Claims (18)

Host computer of a domestic financial institution, including a CMS server, an electronic banking network server, and at least one firewall, and a host computer of another financial institution including a firewall, a relay unit, and a host networked thereto. The foreign financial institution, which is performed in a financial transaction system with a foreign currency, is located in a home country and is connected to a network of the foreign country host computer from a foreign account registered in the foreign country host computer and includes a web client and a branch terminal. A method for processing an international remittance service of remitting a designated amount to a receiving account connected to an electronic financial common network server of a host computer of a domestic financial institution using a branch terminal of A twin account registration step of registering a twin account linked to the foreign account in a CMS server of the host computer of the host; A remittance request receiving step of receiving, from the twin account, the remittance request from the account holder terminal to the CMS server of the host computer; A remittance approval request step of transmitting, by the CMS server, the remittance request information to the branch terminal of the branch terminal and requesting remittance approval; A remittance approval receiving step of receiving, by the CMS server, the remittance approval from the branch terminal of the branch terminal; The CMS server converts the remittance calculation result for the foreign account processed based on the remittance request information transmitted from the branch terminal of the branch terminal terminal into an available format via the relay unit and receives from the host unit of the foreign host computer. Remittance result information receiving step; A twin account updating step of updating, by the CMS server, the twin account with respect to remittance of the designated amount; And A remittance proceeding step of executing a remittance operation of the designated amount from the twin accounts to the receiving account by using the electronic banking network server and a firewall so that the CMS server is securely connected to the CMS server. In claim 1, The remittance progress step, Only when the CMS server receives the remittance approval from the host unit of the host computer of the other country through the branch terminal unit in the remittance approval receiving step, and receives the remittance processing result in the remittance result information receiving step. International remittance service processing method characterized in that the. In claim 1, The twin account update step, The remittance approval is performed only when the CMS server receives the remittance approval from the host unit of the host computer of the other country through the branch terminal unit, and receives the remittance processing result in the remittance result information receiving step. International remittance service processing method characterized in that the. In claim 2, The twin account update step, The remittance approval is performed only when the CMS server receives the remittance approval from the host unit of the host computer of the other country through the branch terminal unit, and receives the remittance processing result in the remittance result information receiving step. International remittance service processing method characterized in that the. The method according to any one of claims 1 to 4, The remittance request receiving step, Remittance request processing method characterized in that for receiving the remittance request through the Internet banking using a web-based server-client program set in the electronic financial network server and the account holder terminal. The method according to any one of claims 1 to 4, The remittance approval request step, Remittance request processing method characterized in that for transmitting the remittance request information using a web-based server-client program set in the electronic financial network server and the web client. The method according to any one of claims 1 to 4, The remittance result information receiving step, Remittance service processing method characterized in that the CMS server receives the remittance calculation result from the host unit of the host computer of the other station connected through one or more networks of virtual private network, private network, public network. The method according to any one of claims 1 to 4, The remittance request receiving step may include receiving the remittance request through internet banking using a web-based server-client program set in the electronic financial network server and the account holder terminal; The remittance approval request step may include transmitting the remittance request information using a web-based server-client program set in the electronic financial network server and the web client unit; The remittance result information receiving step, wherein the CMS server receives the remittance calculation results from the host unit of the host computer of the other station connected via at least one of a virtual private network, a private network, public network. The method according to any one of claims 1 to 4, Remittance service processing method, characterized in that the other account of the host computer of the other country and the twin account of the host computer of the host computer is synchronized at the set time. Host computer of a domestic financial institution, including a CMS server, an electronic banking network server, and at least one firewall, and a host computer of another financial institution including a firewall, a relay unit, and a host networked thereto. In a financial transaction system equipped with a branch of the foreign financial institution that is located in the home country, connected to the network of the foreign host computer from a foreign account registered in the foreign host computer, the network of the foreign country including a web client and a branch terminal A method for processing an international deposit service for depositing a designated amount into a receiving account connected to an electronic financial common network server of a host computer of a domestic financial institution by using a terminal, A twin account registration step of registering a twin account linked to the foreign account in a CMS server of the host computer of the host; A deposit request receiving step of receiving, from the twin account, the deposit request from the account holder terminal to the CMS server of the host computer; A deposit approval request step of the CMS server transmitting the deposit request information to a branch terminal of the branch terminal and requesting a deposit approval; An deposit approval receiving step of the CMS server receiving the deposit approval from the branch terminal of the branch terminal; A deposit result information receiving step of receiving, by the CMS server, a deposit calculation result for the foreign station account processed based on the deposit request information transmitted from the branch terminal unit of the branch terminal from the host unit of the host station of the other station; A twin account updating step of the CMS server updating the twin account with respect to the deposit of the designated amount; And A deposit processing step of executing a depositing operation of the designated amount from the twin accounts to the receiving account by using the electronic financial community network server and a firewall to maintain the CMS server; In claim 10, The deposit progress step, Only when the CMS server receives the deposit approval from the host unit of the host computer of the other country through the branch terminal unit in the deposit approval receiving step, and receives the deposit processing result in the deposit result information receiving step. International deposit processing method characterized in that the. In claim 10, The twin account update step, The deposit approval is received only when the CMS server receives the deposit approval from the host unit of the host computer of the other country through the branch terminal unit in the deposit approval receiving step, and receives the deposit processing result in the deposit result information receiving step. International deposit processing method characterized in that the. In claim 11, The twin account update step, The deposit approval is received only when the CMS server receives the deposit approval from the host unit of the host computer of the other country through the branch terminal unit in the deposit approval receiving step, and receives the deposit processing result in the deposit result information receiving step. International deposit processing method characterized in that the. The method according to any one of claims 10 to 13, The deposit request receiving step, And receiving the deposit request through internet banking using a web-based server-client program set in the electronic financial network server and the account holder terminal. The method according to any one of claims 10 to 13, The deposit approval request step, And transmitting the deposit request information using a web-based server-client program set in the electronic financial network server and the web client unit. The method according to any one of claims 10 to 13, The deposit result information receiving step, And the CMS server receives the deposit calculation result from a host unit of a host computer of a foreign country connected through at least one of a virtual private network, a private network, and a public network. The method according to any one of claims 10 to 13, The deposit request receiving step, the deposit request is received through the Internet banking using a web-based server-client program set in the electronic financial network server and the account holder terminal; The deposit approval request step may include transmitting the deposit request information using a web-based server-client program set in the electronic financial network server and the web client unit; The deposit result information receiving step, the deposit processing process characterized in that the CMS server receives the deposit calculation result from the host unit of the host computer of the other country connected to the deposit via one or more networks of virtual private network, private network, public network. The method according to any one of claims 10 to 13, And the twin accounts of the host computer of the other station are synchronized at a set time point.

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