KR100873352B1 - System and Method for Processing Online Account Fund Transfer and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for processing online account funds transfer and a recording medium therefor. The method for processing online account funds transfer according to the present invention requires a predetermined account transfer request for a non-opened online account. Setting a withdrawal lock on the money transfer amount for the remitter online account in the online account operation means; and linking the remitter online account information with the recipient's unique information and the account transfer amount information in a predetermined information storage means; Storing information in a predetermined storage medium, transmitting predetermined online account opening request information from a predetermined information transmitting means to a recipient communication means corresponding to the unique recipient information, and receiving the unique information in the predetermined information checking means. Confirming that an online account corresponding to the information is opened; And when the payee online account is established, transferring the amount of the withdrawal locked to the payee online account in association with the storage medium (or storage medium operation means) in the online account operation means.

Online, account, funds, transfer

Description

System and Method for Processing Online Account Fund Transfer and Program Recording Medium}

1 is a diagram illustrating an online account registration system of a virtual account method according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an online account registration system in the form of a new account of a rechargeable prepaid card concept according to another embodiment of the present invention.

11 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

12 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

13 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

19 is a diagram illustrating an online account management system for transferring funds from an online account to an unopened online account according to an embodiment of the present invention.

<Description of main parts of drawing>

1900: online account management server 1905: interface unit

1910: interface providing unit 1915: information receiving unit

1920: authentication processing unit 1925: online account management unit

1930: ledger processing unit 1935: information transmission unit

1940: information storage unit 1945: information confirmation unit

1950: Recipient Certification Department 1955: Storage Media

1960: client terminal

According to the present invention, when a predetermined terminal requests an account transfer for an unopened online account, setting a withdrawal lock on the money transfer amount for a remitter online account in a predetermined online account operating means, and predetermined information storing means. Storing the remitter online account information, the remittee unique information of the non-establisher, and the money transfer amount information in a predetermined storage medium; and using a predetermined information transmission means as a recipient communication means corresponding to the payee unique information. Transmitting request information for opening an online account, checking whether an online account corresponding to the payee unique information is opened by a predetermined information checking means, and if the payee online account is opened, the online account is operated. Means in association with said storage medium (or storage medium operating means) Based on the amount of the withdrawal will be a lock on the online account funds transfer process comprising the step of transferring to a payee account online.

With the rapid development of information and communication technology and the convergence of the above-described advanced information and communication technology and financial services, various online account services will be attempted to open and operate a predetermined account online without visiting a window. Is expected to involve a variety of fund transfer services between online accounts.

However, the transfer of funds between online accounts as described above should be done with the remitter opening the online account and the remittee also opening the online account, as in the case of the transfer of funds between financial accounts. It includes problems that limit autonomy and convenience.

An object of the present invention for solving the above problems is, when requesting a bank transfer for a non-opened online account in a predetermined terminal, the online account operating means for setting a withdrawal lock on the money transfer amount for the remitter online account; Request for opening a predetermined online account by means of information storage means for linking the remitter online account information, the remittee unique information of the non-establisher, and the transfer amount information to a predetermined storage medium, and a recipient communication means corresponding to the remittee unique information. The present invention provides an online account transfer processing system including information transmitting means for transmitting information and information checking means for confirming whether an online account corresponding to the payee unique information is opened.

In the online account transfer processing method according to the present invention, when a predetermined terminal requests an account transfer for an unopened online account, predetermined online account operation means sets a withdrawal lock for the money transfer amount for the online account of the remitter. And storing the remitter online account information, the remittee unique information of the non-establisher, and the money transfer amount information in a predetermined storage medium in a predetermined information storage means, and storing the remitter unique information in a predetermined information transmission means. Transmitting predetermined online account opening request information to a recipient communication means corresponding to the information, and confirming whether an online account corresponding to the recipient unique information is opened in a predetermined information checking means; When the online account is opened, the storage medium in the online account operating means In conjunction with (or storage medium operating means) and the amount of the withdrawal, the lock characterized in that comprises the step of transfer into the recipient's online account.

According to the present invention, the online account transfer processing method further comprises the step of authenticating the payee in a predetermined payee authentication means.

According to the present invention, the online account fund transfer processing method, if the recipient online account is not opened after a certain period of time in the online account operating means, refund the withdrawn money to the remitter online account, or the online And releasing the withdrawal lock of the account.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described online account transfer processing method.

On the other hand, the online account fund transfer processing system according to the present invention, when requesting the account transfer for a non-opened online account in a predetermined terminal, the online account operating means for setting a withdrawal lock for the money transfer amount for the online account of the remitter And information storage means for linking the remitter online account information, the remittee unique information of the non-establisher, and the money transfer amount information to a predetermined storage medium, and a predetermined online account as a recipient communication means corresponding to the remittee unique information. And information checking means for transmitting the opening request information and information checking means for checking whether an online account corresponding to the recipient unique information is opened.

In this case, the online account management means, when the payee online account is established, transfers the amount of the withdrawal locked to the payee online account in association with the storage medium (or storage medium operation means). do.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an online account registration system of a virtual account method according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account application information for opening an online account from a predetermined customer terminal 175 to a predetermined web server 100 through a predetermined network means. By providing the online account application information provided from the customer terminal 175 to the predetermined information processing server 140 provided at a predetermined financial institution at 100, the information processing server 140 is connected to the online account application information. As a system configuration for opening a corresponding online account, specifically, an online account in the form of a virtual account having a real account in which the online account is operated by a predetermined web server 100 operating institution (or a financial institution) is opened. It is a figure which shows the system configuration.

Those skilled in the art to which the present invention pertains, the virtual account form of the parent account of the real account operated by the web server 100 operating institution (or financial institution) by referring to and / or modifying the Figure 1 Although it is possible to infer an implementation method for a system for registering various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account whose real account is operated by an operating institution (or a financial institution) of the web server 100 may be used. , By accessing a predetermined web server 100 (e.g., a portal server, etc.) through a predetermined network means (e.g., real-name financial transactions and confidentiality laws and concurrent orders (Presidential Decree 15744) Customer terminal (1) requesting the registration (or opening) of the online account without providing a real name of the financial account), and providing the web server 100 with predetermined online account application information corresponding to the registration (or opening) of the online account ( 175 connected to the customer terminal 175 through a predetermined network means to receive predetermined online account application information from the customer terminal 175 and receive the received online account. Web server 100 for providing information to the information processing server 140 provided in a predetermined financial institution, and the web server 100 is connected through a predetermined communication means from the online web server 100 An information processing server 140 that receives account application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It is made with a financial system for operating an online account processed as a.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 185 (eg, a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or through at least one wireless terminal 185 (eg, wireless terminal 185 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may include at least one customer terminal of a wired terminal 180 connected to a predetermined wired communication network and / or a wireless terminal 185 connected to a predetermined wireless communication network. The user accesses the web server 100 through 175 and receives various application services provided by the web server 100.

Here, the wired terminal 180 connected to the wired communication network among the customer terminals 175 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, the wireless terminal 185 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and is a Personal Communication System (PCS) and / or a Global System for Mobile (GSM) connected to the CDMA-based mobile communication network. communications) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or smart phones and / Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The web server 100 provides at least one information / content to the customer terminal 175 including at least one of the wired terminal 180 and / or the wireless terminal 185 through the wired communication network and / or the wireless communication network. Portal server and / or search that provide a search service, including, and / or a personalization service, including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to include a server.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal 175 may include at least one or more (or requesting a new establishment) that the financial institution sells to at least one or more customers online. And financial product information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired and / or wireless communication network To the customer terminal 175, wherein the customer terminal 175 inputs (or selects) the predetermined online account application information through the user interface to establish the wired network and / or wireless communication network. It characterized in that the transmission to the web server 100 via a network means including.

To this end, the client terminal 175 outputs at least one user interface provided from the web server 100, inputs and / or selects at least one online account application information through the user interface, and then selects the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, and input at least one online account application information through the user interface. And / or the characteristics of the customer terminal 175 corresponding to the at least one wired terminal 180 and / or the wireless terminal 185 to select and transmit to the web server 100 can be easily inferred. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 ) Connects a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the customer terminal 175. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 may be connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless network. Connects a predetermined communication channel with the customer terminal 175 and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 175, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the web server 100 may access the web server 100 when a predetermined customer terminal 175 accesses the web server 100 through the interface unit 105 and / or applies for an online account. In connection with the user terminal 175 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined online account application information (or extracting from a predetermined web source D / B). A predetermined online account that is input (or selected) through the user interface from the client terminal 175 through the interface providing unit 110 provided to the customer terminal 175 and the interface unit 105. And an information relay unit 130 for receiving the application information and an information relay unit 130 for providing the received online account application information to an information processing server 140 provided at a financial institution through a predetermined communication means. It is characterized by falling.

In addition, the web server 100 in conjunction with the interface unit 105, at least one or more of the customer terminal 175, a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 175 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 stores information for storing the received online account application information in a predetermined storage medium 135 for the post management of the online account application information received through the information receiving unit 120. It is preferable that the part 125 is further provided.

The interface providing unit 110 has a function provided in the customer terminal 175 when a predetermined customer terminal 175 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface generated through the network means to the customer terminal 175 through the network means in conjunction with the interface unit 105. It is done.

Thereafter, the client terminal 175 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 100 through the network means. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal 180 connected to a predetermined wired communication network, the interface providing unit 110 is a browser provided in the wired terminal 180. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided as a program and / or a communication program, and generates the generated (or predetermined web source D through the interface unit 105). It is preferable to provide a user interface extracted from / B (not shown) to the customer terminal 175.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface providing unit 110 is provided in the wireless terminal 185. Generate a predetermined user interface that can be provided to a browser program and / or a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source through the interface unit 105). It is preferable to provide the user interface 175 extracted from the D / B (not shown) to the customer terminal 175.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the client terminal 175 in the web server 100 may include at least one online account product (or financial). Commodity) and an interface for selecting at least one online account commodity (or financial instrument) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 175 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 175, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 175, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 175 selects at least one online account product to which the customer applies (or purchases) among the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Corresponding to the terms and conditions agreement information, the online account deposit amount information, and customer information (for example, customer name and social security number, or web server 100 member information, or messenger information) for the online account applicant. Information, or information (or selection) of online account application information including at least one of the wireless terminal 185 information, etc., is transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 175 the provisions of the provision of new provisions and the provision of new provisions (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) indicating that the processing is performed; Input (or select) provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises a).

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 175 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account to be operated as a virtual account in the form of a virtual account, the mother account operating institution information including at least one of the web server 100 operating institution (or financial institution) and the real account operating in the mother account operating institution It is preferable to further include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 175) further comprising an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. In case of a financial transaction customer of the financial institution, the interface may be omitted. Said, or but may be included in the interface, non-face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) is specified for one of ordinary skill in the art according to the intention.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the inputted (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, or the like), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 175. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 175 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 175 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the customer terminal 175 sends the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 175 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or information storage unit 125.

In addition, the client terminal 175 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 175 In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 175. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 175, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

The information storage unit 125 stores the online account application information received through the information receiving unit 120 in a predetermined storage medium 135, whereby the web server 100 (or the web). The server 100 operating agency) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 associates the online account security information with the online account request information and stores the information in the storage medium 135. The online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. Information) and store it in the storage medium 135, and the provisional processing agreement information (or provisional application information) is the web server 100 (or a financial transaction server using the online account). ) Provides a basis for processing at least one or more financial transactions using the online account before verifying the financial real name for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. And storing the information in the storage medium 135. The virtual account processing information may be stored in the online account until the financial real name of the online account is confirmed by the web server 100 (or a financial transaction server using the online account). Provides a basis for processing at least one or more financial transactions using a virtual account based on a real account managed by the web server 100 operating institution (or financial institution).

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or non-face-to-face financial transaction application information) and store the data in the storage medium 135. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 100 ( Or a financial transaction server using the online account) to provide a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125, when the predetermined online account corresponding to the online account application information is opened by the information processing server 140, the web server 100 (or the The online account information (not shown) opened by the information processing server 140 to process the at least one financial transaction using the online account in the storage medium 135). It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 140, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the web server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 140). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 140.

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 to the financial system provided in the financial institution to the web The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 140 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 140 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 is the customer of the online account application is Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 140 provided in the financial institution corresponding to the product (eg, the online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 140 provided in the financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). Accordingly, the information processing server 140 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 140 is equipped with a web server 100 function and / or the information processing server 140 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 175 and the information processing server 140 to thereby relay the online account application information (and / or a new code) from the customer terminal 175 at the information processing server 140. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 140 receives the ON from the customer terminal 175 via predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face to face It is possible to directly receive financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 140 is the online account application information (and / or false information processing agreement information (or false information request information)) provided from the web server 100 via the communication means, and Information receiver 120 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) And a new provision opening unit 165 for opening a new online account corresponding to the online account application information received through the information receiving unit 120 in association with a predetermined financial system, and the online established with the new provision. The virtual account processing unit 160 for processing an account in the form of a virtual account of a real account operated by the web server 100 operating institution (or a financial institution) as a parent account, and the online account of the virtual account type is online. The real estate management unit 155, which manages before real name verification for an account holder, and the real name of the customer who applies for financial transactions for the online account opened as a new account in response to the online account application information within a predetermined real name verification period. When the real name of the real name confirmation unit 150 and the online account opened as a new provision in response to the online account application information is confirmed, the new online account is processed as a new financial account. It is characterized by comprising a new account processing unit 145.

The information receiving unit 120 may provide online account application information (and / or provisional processing consent information (or provisional application information)) and / or online account security information provided from the web server 100 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is provided to the provisional section 165.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiving unit 120 performs the encrypted online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)).

The new provision establishment unit 165 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 100 through the information receiving unit 120. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or In addition Is characterized by opening a new online account corresponding to the financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the new provision establishment unit 165 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 165 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or online account security. Information based on information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in cooperation with the information system, and providing the result to the virtual account processor 160.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 160 is a parent account for operating the online account (or online account ledger) opened by the provisional opening section 165 in the web server 100 operating institution (or financial institution) It is characterized in that the processing into a virtual account.

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account before the real name verification of the online account is performed. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the web. The server 100 may include virtual account ledger information (eg, ledger information including an account number conforming to the virtual account number system) using a real account operated by an operating institution (or a financial institution) in this case. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 155 manages the real account operated by the web server 100 operating institution (or financial institution) until the real name verification for the online account application customer is established as the new account as the parent account. It is characterized by operating by processing to a virtual account.

According to an embodiment of the present invention, the provisional management unit 155 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 155 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the provisional management unit 155 operates the interest in the web server 100 operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 100 operating institution (or financial institution) as a parent account, the new provision management unit 155 finances the online account until the real name is verified. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 150 is the law and the concurrent law on the financial real name transaction and confidentiality while the online account opened by the new provision opening unit 165 is managed by the new provision management unit 155 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name checking unit 150 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 150 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, when the online account application customer is a conventional financial transaction customer for the financial institution, and the online account application customer is a wireless banking customer corresponding to the financial institution (for example, When the financial institution has performed the real name verification process for the customer applying for the online account), the real name verification unit 150 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is preferable to confirm whether the real name of the online account applicant is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (for example, when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 150 may be a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 150 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applicant to perform the real name verification process for the online account by using the telemarketing function.

Alternatively, the real name verification unit 150 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 150 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 150 generates real name verification information of the online account application customer and provides the new account processing unit 145 to the new account processor 145. do.

Alternatively, when the real name of the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 150 generates unidentified name information of the online account request customer to generate the new account processor 145. To provide.

When real name verification information is provided from the real name verification unit 150 including the real name confirmation of the online account request customer within the real name verification period, the new account processing unit 145 is connected with the financial system. The online account processed as a new provision by the provisional opening unit 165 and / or provisional management unit 155 may be treated as a valid new financial account.

According to the embodiment of the present invention, when the real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 145 Is valid for all financial transactions on the online account processed by the new provision opening unit 165 and / or the new provision management unit 155 as a new provision in connection with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 145 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 145 repatriates (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 145 may be configured as an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 145 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 120 may set the online account opening date to the web server 100. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 165 opens the online account on the financial system. It is desirable to apply retrospectively as of the date.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

More specifically, Figure 2 is a mother account of the real account of the operating institution (or financial institution) of the web server 100 in the ledger information stored in the predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 The online account ledger information is stored in the virtual account ledger according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Inferring various information construction methods for storing online account ledger information according to the virtual account ledger information in the virtual account ledger having the real account of the web server 100 operating institution (or financial institution) as the parent account in the ledger D / B. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store the online account customer ledger information that registers the online account of the virtual account type associated with the parent account which is the real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, amount of time extension, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger may include a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the web server 100 operating institution (or financial institution). The account ledger corresponding to the mother account is connected in a relational manner, wherein the virtual account ledger information includes an information structure including the mother account number and the mother account management institution information in addition to basic account ledger information such as the account ledger. Characterized in that made.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger of the web server 100 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 shows a web server through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B 300 provided in a DBMS on the financial system shown in FIG. 100) shows an information structure for linking a real account of an operating institution (or a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modify and link a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account having a real account of an operating institution (or a financial institution) of the web server 100 as a parent account. Various information construction methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) by And processing the online account into a virtual account having a financial account of the web server 100 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is the online account shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 175 on the registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. Through the processing information, the real account of the web server 100 operating institution (or financial institution) is linked in the form of a virtual account having a parent account, and the new account processing information for processing a predetermined hidden account is further added to the online account ledger. As the information structure for cooperative processing is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to and / or modify this drawing 4 to store a predetermined online account ledger in the ledger D / B. Through the account processing information, a variety of information configuration methods for processing as a new account by linking a real account of the web server 100 operating institution (or financial institution) in the form of a virtual account as a parent account Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where the customer ledger of the customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the web server 100 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) by And processing the online account into a virtual account having a financial account of the web server 100 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is the online account shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 175 on the registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

It is preferable that the mother account operating institution information of the virtual account processing information includes the web server 100 operating institution (or financial institution) information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provisions processing information is stored in association with additional information corresponding to the online ledger, and the new provisions processing information is received from the customer terminal 175 on the online account registration system shown in FIG. It is preferably generated based on the online account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, It may be stored in the form of additional information added to the customer ledger, and / or in the form of information contained in the ledger other than the online account ledger (for example, the customer ledger), whereby the present invention is not limited thereto. .

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

In more detail, in FIG. 5, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the user account 175 may request the online account request user interface. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 140 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modifying this figure 5 the customer terminal (175) However, various implementation methods for providing the online account application information to the information processing server 140 through the web server 100 may be inferred. It includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 175 to the web server 100. However, the present invention may be applied to those skilled in the art. In response to the user interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention provides the new provision processing agreement information (or new provision application information), and / or online account security information, and / or financial transaction application information at the customer terminal 175. , And / or a method of providing virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is encrypted and transmitted, and the information processing server 140 transmits the online account application information (and / or false transaction processing information (or temporary application information)). And / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal 175 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 175 While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is subscribed online from the customer terminal 175 to the online account product. Periodically checks whether a predetermined online account request user interface is requested for the financial product request interface from the customer terminal 175 (515), and the web server 100 checks the customer terminal. Generate a predetermined online account application user interface to be provided to 175 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 100 member information, messenger information, e-mail address information, or wireless terminal 185 information).

When the online account application information is input (or selected) as described above, the customer terminal 175 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 175 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 100 through the network means, or the online account application information further includes the financial transaction application information, and the web is connected through the network. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (545), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the online account request user interface is provided by the customer terminal 175. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 140 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the client terminal 175 to the information processing server 140 through the web server 100. Exemplary method would be able to infer, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the art to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), According to the present invention, the customer terminal 175 may include the provisional processing agreement information (or provisional application information), and / or the online account security information, and / or the financial transaction application information, And / or a method of providing virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or the new application information)) from the information processing server 140. And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 6, the customer terminal 175 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605), wherein the web server 100 provides the web-based service provided to the customer terminal 175 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides the at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 175. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the customer terminal (175) (615), the web server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) from the customer terminal 175 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one or more encryption keys for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 100 member information, messenger information, e-mail address information, or wireless terminal 185 information).

When the online account application information is input (or selected) as described above, the customer terminal 175 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity, and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 175 for inputting (or selecting) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

If the customer terminal 175 is provided with an interface for inputting (or selecting) the financial transaction application information, the customer terminal 175 after inputting (or selecting) the financial transaction application information through the interface, Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, by the web means through the network means. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (645), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 7, in the information processing server 140 illustrated in FIG. 1, a predetermined online account is opened based on the online account application information provided from the web server 100, and the online account is stored in the web. As a process of processing a real account operated by a server (100) operating institution (or a financial institution) as a virtual account, the person having ordinary knowledge in the field to which the present invention pertains, refer to FIG. And / or a real account for operating the online account in the web server 100 operating institution (or financial institution) based on the online account application information provided to the information processing server 140 shown in FIG. It will be possible to infer various implementation methods for processing with a virtual account, but the present invention includes all the implementation methods inferred, whereby the present invention is not limited. The.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 140. However, the present invention includes those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 140. However, the present invention provides the information processing server 140 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 4 and / or 5, predetermined online account application information (and / or provisional processing consent information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual The account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 175 through a predetermined network means, thereby ending the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed as a virtual account which is operated by the web server 100 operating institution (or financial institution) as a parent account in connection with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 100 operating institution (or a financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, the virtual account which makes a real account which manages the ledger corresponding to the said online account opened by the said provisional opening establishment part 165 by the web server 100 operation institution (or financial institution) as a mother account It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By cooperatively processing virtual account processing information including mother account information in a relational manner, a container officer (or financial institution) operating the web server 100 for a ledger corresponding to the online account opened by the provisional opening establishment unit 165. It is preferable to process the real account operated by the virtual account as the parent account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 400 where the online account ledger is registered as shown in FIG. It is preferable to treat the ledger corresponding to the online account opened by the provisional opening unit 165 as a virtual account whose mother account is the real account operated by the web server 100 operating institution (or financial institution). .

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a real account operated by the web server 100 operating institution (or financial institution) through the online account registration system shown in FIG. 1 through the process shown in FIG. A process for performing a real name verification process for an online account processed as a virtual account to process a predetermined new financial account. Specifically, the name verification expiration date is automatically extended so that at least one or more through the online account is not required without real name verification. It is about how to continuously provide financial transactions.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The 800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810).

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server uses a virtual account that has a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continue to provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, It is desirable to treat your online account as a new financial account with your real name.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a real account operated by an operating institution (or a financial institution) of the web server 100 through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (eg, The present invention relates to a method for retrieving a financial account (or another online account) in which a predetermined amount is transferred to the online account, and dormant processing the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The (900).

Those skilled in the art to which the present invention pertains, include a terminal terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system, Since the banking system includes at least one of a telebanking system, a home banking system, and a TV banking system, a method of confirming a customer's real name for a predetermined financial account will be omitted.

If the real name for the online account request customer is not confirmed (905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (910).

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server is a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (915), the server, in connection with the financial system, the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account in response to the online account application information), and processes the online account as a dormant account in response to the online account application information. (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, It is desirable to treat your online account as a new financial account with your real name.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

10 is a diagram illustrating an online account registration system in the form of a new account of a rechargeable prepaid card concept according to another embodiment of the present invention.

In more detail, in FIG. 10, when the user terminal 175 provides online account application information to open an online account from a predetermined customer terminal 175 to a predetermined web server 100 via a predetermined network means, the web server By providing the online account application information provided from the customer terminal 175 to the predetermined information processing server 140 provided at a predetermined financial institution at 100, the information processing server 140 is connected to the online account application information. As a system configuration for opening a corresponding online account, specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 10 to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains can implement a system for registering an online account in the form of a virtual account with a predetermined real account by referring to and / or modifying the drawing 10. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 100 (e.g., a portal server) through a predetermined network means. Portal server) to request the online account registration (or opening) without real name verification, and to provide the web server 100 with the predetermined online account application information corresponding to the online account registration (or opening). The customer terminal 175 is connected to the customer terminal 175 through a predetermined network means to receive predetermined online account application information from the customer terminal 175, and receive the predetermined online account application information from the predetermined financial means. Web server 100 provided to the information processing server 140 provided in the institution, and the web server 100 is connected through a predetermined communication means from the web server 100 to the online An information processing server 140 that receives account application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It is made with a financial system for operating an online account processed as a.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial transaction is performed by the financial account regarding financial real name transactions and confidentiality. To real name financial account corresponding to law and simultaneous decree (Presidential Decree 15744) If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 185 (eg, a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or through at least one wireless terminal 185 (eg, wireless terminal 185 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may include at least one customer terminal of a wired terminal 180 connected to a predetermined wired communication network and / or a wireless terminal 185 connected to a predetermined wireless communication network. The user accesses the web server 100 through 175 and receives various application services provided by the web server 100.

Here, the wired terminal 180 connected to the wired communication network among the customer terminals 175 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, the wireless terminal 185 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The web server 100 provides at least one information / content to the customer terminal 175 including at least one of the wired terminal 180 and / or the wireless terminal 185 through the wired communication network and / or the wireless communication network. Portal server and / or search that provide a search service, including, and / or a personalization service, including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to include a server.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal 175 may include at least one or more (or requesting a new establishment) that the financial institution sells to at least one or more customers online. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired and / or wireless communication network To the customer terminal 175, wherein the customer terminal 175 inputs (or selects) the predetermined online account application information through the user interface to the wired communication network and / or the wireless communication network. It is characterized in that for transmitting to the web server 100 via a network means including.

To this end, the client terminal 175 outputs at least one user interface provided from the web server 100, inputs and / or selects at least one online account application information through the user interface, and then selects the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the characteristics of the customer terminal 175 corresponding to the at least one or more wired terminal 180 and / or the wireless terminal 185 to select and transmit to the web server 100 can be easily inferred, Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 ) Connects a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the customer terminal 175. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 may be connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 is a communication channel with the customer terminal 175 based on the TCP / IP protocol It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless network. Connects a predetermined communication channel with the customer terminal 175 and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 175, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 10, the web server 100 is connected to the web server 100 through the interface unit 105 and / or when applying for an online account. In connection with the user terminal 175 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined online account application information (or extracting from a predetermined web source D / B). A predetermined online account that is input (or selected) through the user interface from the client terminal 175 through the interface providing unit 110 provided to the customer terminal 175 and the interface unit 105. And an information relay unit 130 for receiving the application information and an information relay unit 130 for providing the received online account application information to an information processing server 140 provided at a financial institution through a predetermined communication means. Characterized in that eojineun.

In addition, the web server 100 in conjunction with the interface unit 105, at least one or more of the customer terminal 175, a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one client terminal 175 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 stores information for storing the received online account application information in a predetermined storage medium 1035 for post management of the online account application information received through the information receiver 120. It is preferable that the part 125 is further provided.

The interface providing unit 110 has a function provided in the customer terminal 175 when a predetermined customer terminal 175 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface generated through the network means to the customer terminal 175 through the network means in conjunction with the interface unit 105. It is done.

Thereafter, the client terminal 175 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 100 through the network means. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal 180 connected to a predetermined wired communication network, the interface providing unit 110 is a browser provided in the wired terminal 180. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided as a program and / or a communication program, and generates the generated (or predetermined web source D through the interface unit 105). It is preferable to provide a user interface extracted from / B (not shown) to the customer terminal 175.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface providing unit 110 is provided in the wireless terminal 185. Generate a predetermined user interface that can be provided to a browser program and / or a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source through the interface unit 105). It is preferable to provide the user interface 175 extracted from the D / B (not shown) to the customer terminal 175.

According to an embodiment of the present invention, the user interface for receiving (or selecting) predetermined online account application information from the client terminal 175 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 175 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 175, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 175, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, the original account information for depositing a predetermined amount into an online account) deposited into the account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 175 selects at least one online account product to which the customer applies (or purchases) among the plurality of online account products through the user interface, and the online account product selection information, and the online account product. The terms and conditions agreement information, the online account deposit amount information, and customer information (eg, customer name and social security number, or web server 100 member information, messenger information, or e-mail address information) for the online account applicant. Or input (or select) online account application information including at least one of wireless terminal 185 information, etc.) and transmit the information to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 175 the provisions of the provision of new provisions and the provision of new provisions (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) indicating that the processing is performed; Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming the agreement may be omitted.

When an interface is provided to the customer terminal 175 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a new law, the user interface for inputting (or selecting) the online account application information is In order to process a financial transaction (eg, deposit, withdrawal, transfer of money, etc.) for the online account processed by the new provision, the online terminal is processed with a predetermined prepaid rechargeable card to process the prepaid rechargeable card processing information in the customer terminal 175. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information to which the customer agrees to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 175, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 175) an interface for outputting financial transaction application terms and conditions for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are an institutional financial customer, the above interface may be omitted. Depending on the, or one of ordinary skill in the intended but may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. In FIG. 10, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, or the like), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 175. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 175 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 175 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the customer terminal 175 sends the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 175 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined rechargeable prepaid card processing consent information through the user interface and transmits the same through the network means, or the rechargeable prepaid card processing at the customer terminal 175. When the consent information is included in the online account application information and transmitted, the information receiver 120 receives the rechargeable prepaid card processing consent information in association with the interface unit 105, and the received rechargeable prepaid. The card processing agreement information is provided to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 175. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 175, the information receiving unit 120 interworks with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

The information storage unit 125 stores the online account application information received through the information receiving unit 120 in a predetermined storage medium 1035, thereby the web server 100 (or the web). The server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1035.

When the online account security information is received through the information receiver 120, the information storage unit 125 associates the online account security information with the online account request information and stores the information in the storage medium 1035. The online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. Information) and store the information in the storage medium 1035, and the provisional processing agreement information (or provisional application information) is the web server 100 (or a financial transaction server using the online account). ) Provides a basis for processing at least one or more financial transactions using the online account before verifying the financial real name for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information storage unit 125 processes the rechargeable prepaid card processing consent information in association with the online account application information to store the storage medium 1035. The rechargeable prepaid card processing consent information may be stored in at least one of the web server 100 (or the financial transaction server using the online account) until the financial real name of the online account is verified. It provides the basis for processing the above financial transaction with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Alternatively, the non-face-to-face financial transaction application information) may be stored in the storage medium 1035 in association with each other. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 100 ( Or a financial transaction server using the online account) to provide a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125, when the predetermined online account corresponding to the online account application information is opened by the information processing server 140, the web server 100 (or the The online account information (not shown) opened by the information processing server 140 to process the at least one financial transaction using the online account in the storage medium 1035). It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 140, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 140, and / Alternatively, a secure communication network (eg, the web server 100 encrypts the online account application information by a predetermined encryption method) to provide a secure communication function between the web server 100 and the information processing server 140. 140, and a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 140).

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 to the financial system provided in the financial institution to the web The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 140 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 140 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 is the customer of the online account application is Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 140 provided in the financial institution, in which the online account corresponding to the online account product is opened, whereby the information processing server 140 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 140 provided in the financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). Accordingly, the information processing server 140 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 140 is equipped with a web server 100 function and / or the information processing server 140 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 175 and the information processing server 140 to thereby relay the online account application information (and / or a new code) from the customer terminal 175 at the information processing server 140. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to a predetermined user interface for receiving the financial transaction application information)), whereby the information processing server 140 from the customer terminal 175 via a predetermined network means. The online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 10, the information processing server 140 may provide online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 100 through the communication means. And / or an information receiver for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 120, and a new opening section 165 for opening a new online account corresponding to the online account application information received through the information receiving unit 120 in association with a predetermined financial system, and the new opening Prepaid card processing unit for processing a prepaid online account as a rechargeable prepaid card, and the prepaid card to manage the online account of the current state of the prepaid prepaid card until the real name confirmation for the customer applying for the online account A real name verification unit 150 for confirming whether the real name of the financial transaction application customer is confirmed within a predetermined real name verification period for the online account application information newly established in response to the online account application information; When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 145 for processing the online account opened as a new financial account is characterized in that it is made of It is done.

The information receiving unit 120 may provide online account application information (and / or provisional processing consent information (or provisional application information)) and / or online account security information provided from the web server 100 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 165.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 120 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new provision establishment unit 165 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 100 through the information receiving unit 120. If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) to read the online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or Online accounts corresponding to personal account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision establishment unit 165 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information)), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card at / B 400 A predetermined customer ledger corresponding to the processing agreement information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) and may be omitted if the customer ledger is already registered; and / or at least one Line account ledger, including a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is preferable to register with the D / B 400 and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B (400), wherein the parent account is to register the customer financial account, or the online account already established in the ledger D / B (400) on the financial system It is possible to include at least one or more of the financial institution accounts already established in the ledger D / B (400) on the financial system, by which the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 165 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or the online account security information. And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in association with the information system, and providing the result to the prepaid card processing unit.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit is characterized in that the processing of the online account (or online account ledger) opened by the new provision opening unit 165 as a rechargeable prepaid card, wherein the rechargeable prepaid card is financial real name transactions and confidentiality It is possible to withdraw a predetermined deposit amount (or a recharge amount) without violating the law and the Concurrent Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card by the prepaid card processing unit is provided with a function of interest rate-linked prepaid rechargeable card that a predetermined interest is calculated in the charge amount.

According to an exemplary embodiment of the present invention, the prepaid card processing unit replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, thereby opening the online account (or It is desirable to treat the online ledger with a rechargeable prepaid card.

For example, the prepaid card processing unit replaces an account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, and replaces the account interest rate with a prepaid card linked rate. The online account (or opened) by the pseudonym opening unit 165 by replacing an account password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. It is desirable to treat the online ledger with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit associates predetermined prepaid rechargeable prepaid card information with the online account ledger, thereby establishing the online account (or opened) by the provisional opening unit 165. It is desirable to treat the online ledger with a rechargeable prepaid card.

For example, the prepaid card processing unit deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing rechargeable prepaid card information including a, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 165 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B 400 in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening unit 165 as a rechargeable prepaid card.

For example, the prepaid card processing unit deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing the rechargeable prepaid card information including a in a predetermined database linked to the ledger D / B (400) registered with the online account ledger, the online account (or online) opened by the new provision opening unit 165 It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 155 is characterized in that the online account opened as the new provision to operate as a prepaid rechargeable card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 155 charges the deposit amount to the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the online account, the new provision management unit 155 processes the withdrawal amount as using the amount charged to the rechargeable prepaid card. It is characterized by.

In addition, when interest is calculated for the amount deposited in the online account (or charged in the rechargeable prepaid card) through the financial system, the pseudonym management unit 155 charges the interest in the rechargeable prepaid card. It is characterized by.

By processing the online account as a rechargeable prepaid card as described above, the new provision management unit 155 is a violation of the law and co-operation (Presidential Decree No. 15744) on financial real-name trading and confidentiality until the real name is verified. prevent.

The real name verification unit 150 is the law on the financial real name trading and confidentiality while the online account opened by the new provision establishment unit 165 is managed by the new provision management unit 155, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name checking unit 150 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 150 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 150 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (for example, when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 150 may be a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 150 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 150 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 150 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 150 generates real name verification information of the online account application customer and provides the new account processing unit 145 to the new account processor 145. do.

Alternatively, when the real name of the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 150 generates unidentified name information of the online account request customer to generate the new account processor 145. To provide.

When real name verification information is provided from the real name verification unit 150 including the real name confirmation of the online account request customer within the real name verification period, the new account processing unit 145 is connected with the financial system. The online account processed as a new provision by the provisional opening unit 165 and / or provisional management unit 155 may be treated as a valid new financial account.

According to the embodiment of the present invention, when the real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 145 Is valid for all financial transactions on the online account processed by the new provision opening unit 165 and / or the new provision management unit 155 as a new provision in connection with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 145 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 145 repatriates (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account provided with the withdrawal prevention function by the account, the new account processing unit 145 may be an external system provided in the financial system and / or Or by canceling the withdrawal prevention function of the online account processed with the virtual account with the withdrawal prevention function in association with the information system, and providing (or erasing) the virtual account function associated with the new account processing mother account. Preferably with the account, whereby the online account processed under the provisional provisions is transferred to a valid new financial account for all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 145 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 120 may set the online account opening date to the web server 100. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or a date of opening of the online account on the financial system by the temporary opening establishment unit 165. It is desirable to apply retrospectively to either date.

11 is a diagram showing the configuration of online account ledger information according to an embodiment of the present invention.

In more detail, FIG. 11 stores an online account ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. The structure of the online ledger information for processing the account as a predetermined false account, specifically, the account ledger information included in the online ledger registered in the ledger D / B 400 is replaced with rechargeable prepaid card information. The present invention relates to an implementation method of processing an online account corresponding to the online account ledger by a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to open the online account in the ledger D / B and to operate the card in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details of it, so a detailed description thereof is provided for convenience. The.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to another exemplary embodiment of the present invention, the provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 illustrated in FIG. 10 may be provided with an external system and / or provided in the financial system. In conjunction with the information system, include in the online account ledger information and / or the customer ledger and / or the customer wireless terminal 185 information for processing at least one or more financial transactions in a non-face-to-face manner in a financial transaction without an accredited certificate. It is possible to include in the predetermined additional information associated with the online ledger, whereby the present invention is not limited.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to process the online ledger as a new account, the provisional opening unit 165 and / or the new management unit 155 of the information processing server 140 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

In this case, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 175 on the online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 10, the provisional processing information provided in the online account ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 11, the prepaid card processing unit of the information processing server 140 illustrated in FIG. 10 processes the online ledger as a rechargeable prepaid card in association with an external system and / or an information system provided in the financial system. In order to do so, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, the account password is It is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

12 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

In more detail, FIG. 12 stores an online account ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. The structure of the online account ledger information for processing an account as a predetermined false account, specifically, by linking predetermined rechargeable prepaid card information to an online account ledger registered in the ledger D / B 400 in a relational manner. The present invention relates to an implementation method of processing an online account corresponding to the online ledger by a rechargeable prepaid card by storing.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in FIG. 10 is connected to the external system and / or information system provided in the financial system Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 12, the prepaid card processing unit of the information processing server 140 illustrated in FIG. 10 processes the online ledger as a rechargeable prepaid card in association with an external system and / or an information system provided in the financial system. In order to disable the account number, product type, interest rate, password, etc. contained in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid card PIN and Rechargeable prepaid card information including the customer wireless terminal 185 information, etc. is characterized in that it is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal 185 information may also correspond to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account. Do.

13 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

More specifically, Fig. 13 includes a predetermined ledger D / B 1300, which is provided in a DBMS on the financial system shown in Fig. 10, with a predetermined online ledger according to the conventional ledger information structure, and ledger D / B. The predetermined database 1305 associated with the online account ledger has provisional processing information and rechargeable prepaid card information associated with the online account ledger, so that the predetermined online account ledger conforming to the conventional account ledger information configuration can be charged. And an information structure to be processed by an online account ledger in the form of a new account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 to make the ledger D / B ( Various information stores for storing the new processing information and the chargeable prepaid card information associated with the online ledger in a predetermined database 1305 associated with 1300 Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 13.

In particular, FIG. 13 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in a ledger D / B 1300 on a DBMS provided on the financial system (for example, a policy of a financial institution). If it is not easy to change the ledger D / B 1300 of a phase DBMS, or the system is not easy to expand due to the characteristics of the financial system), the pseudonym processing is performed in a predetermined database 1305 instead of the ledger D / B. A method of storing information and / or rechargeable prepaid card information and interworking the database 1305 and the ledger D / B is shown.

Referring to FIG. 13, the database 1305 stores the pseudo-processing information and / or rechargeable prepaid card information, wherein the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. And the CIF number matched with the customer ledger of the ledger information and the account number matched with the online account ledger in the provisional processing information and / or the rechargeable prepaid card information to be processed in connection with 1300. desirable.

In FIG. 13, the new provision processing information stored in the database 1305 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit. It is done.

In this case, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 175 on the online account registration system shown in FIG. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the new establishment date of the new provision processing information is the date when the online account was opened on the ledger D / B (1300), when the real name of the online account application customer processed with the new provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the provisional processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed. The real name pre-deposit deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

In FIG. 13, the rechargeable prepaid card information stored in the database 1305 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal 185 information. Characterized in that comprises a.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal 185 information may also correspond to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account. Do.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 14, when the web server 100 illustrated in FIG. 10 provides a predetermined online account request user interface to the customer terminal 175, the online account request user interface is provided by the customer terminal 175. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 140 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this figure 14 the customer terminal (175) However, various implementation methods for providing the online account application information to the information processing server 140 through the web server 100 may be inferred. Include all of the inference method that is carried out, and is not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, the customer terminal 175, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the information on the provisional processing agreement (or provisional application information), and / or online account security information, and / or financial at the customer terminal 175 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or a new application) from the information processing server 140. Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 14, the customer terminal 175 illustrated in FIG. 10 connects to the web server 100 via a network means including at least one or more wired and / or wireless communication networks (1400) and the web. At least one web-based service provided by the server 100 is used (1405). At this time, the web server 100 provides the web-based service provided to the customer terminal 175 to the online account product according to the present invention. While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is subscribed online from the customer terminal 175 to the online account product. It is periodically checked whether a predetermined online account request user interface is requested for the request (1410), if the financial product request interface is requested from the customer terminal 175 (1415), the web server 100 is the customer terminal Generate a predetermined online account application user interface to be provided to 175 (or extract it from a predetermined web source D / B (not shown)) (1420) and view the online account application user interface via the network means; Provided to the terminal (1425).

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (1430), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 100 member information, messenger information, e-mail address information, or wireless terminal 185 information).

When the online account application information is input (or selected) as described above, the customer terminal 175 transmits the online account application information to the web server 100 through the network means (1435).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

In addition, the online account security information may include a predetermined personal identification number (PIN) and / or a customer wireless terminal for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 175 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is verified and operated until it is confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 175, and the customer is rechargeable. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information agreeing with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 175, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing agreement information is transmitted to the web server 100 through the network means, or the online prepaid card processing consent information is further included in the online account application information. To the web server 100 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

If the customer terminal 175 is provided with an interface for inputting (or selecting) the financial transaction application information, the customer terminal 175 after inputting (or selecting) the financial transaction application information through the interface, Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, by the web means through the network means. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 1035 (1440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (1445), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (1450).

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 15, when the web server 100 shown in FIG. 10 provides a predetermined online account request user interface to the customer terminal 175, the online account request user is provided by the customer terminal 175. FIG. Input (or select) and encrypt predetermined online account application information through an interface to provide it to the web server 100 through a predetermined network means, and decode the online account application information in the web server 100 to predetermined. The process of providing the online account application information to the information processing server 140 provided in the financial institution through a communication means of, if the person of ordinary skill in the art to which the present invention belongs, Reference and / or modified to provide the online account application information from the customer terminal 175 to the information processing server 140 through the web server 100. Would be able to infer a method embodiment, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 15.

For example, in FIG. 15, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the consumer information processing agreement information (or new application information), and / or online account security information, and / or financial at the customer terminal 175 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or a new application) from the information processing server 140. Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 15, the customer terminal 175 illustrated in FIG. 10 connects to the web server 100 through a network means including at least one or more wired and / or wireless communication networks (1500) and the web. At least one web-based service provided by the server 100 is used (1505), wherein the web server 100 provides the web-based service provided to the customer terminal 175 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides the at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 175. Periodically check whether a predetermined online account request user interface is requested (1510). If the financial product request interface is requested from the customer terminal 175 (1515), the web server 100 provides a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1520), and provide the online account application user interface to the mobile terminal through the network means. (1525)

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) from the customer terminal 175 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (1530), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 100 member information, messenger information, e-mail address information, or wireless terminal 185 information).

When the online account application information is input (or selected) as described above, the customer terminal 175 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information (1535), and transmit the encrypted online account application information to the web server 100 via the network means (1540).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 185) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 175. For example, the interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 175 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is verified and operated until it is confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 175, and the customer is rechargeable. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information agreeing with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 175, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 having received the encrypted online account request information through the network means decrypts the online account request information with a decryption method corresponding to the encryption method (1545), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 1035 (1540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (1545), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (1550).

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 16, the information processing server 140 shown in FIG. 10 opens a predetermined online account based on the online account application information provided from the web server 100, and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 140 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 16, only the online account application information is provided from the web server 100 to the information processing server 140. However, the person who has ordinary knowledge in the technical field to which the present invention pertains, In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face It is possible to infer an implementation method in which financial transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 140. However, the present invention provides the provisional processing agreement to the information processing server 140. Information (or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face payments. It includes an implementation method in which the fusion transaction agreement information (or non-face-to-face financial transaction application information) is further provided, whereby the present invention is not limited.

Hereinafter, in FIG. 16, the information processing server 140 shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 16, through the process shown in FIG. 14 and / or FIG. 15, predetermined online account application information (and / or false transaction processing information) from the web server 100 shown in FIG. 10 to the server. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application). Information)), the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / Or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) to confirm whether the online account can be opened (1600).

If it is not possible to open the online account based on the online account application information (1605), the server generates the account opening error information and provides it to the web server 100 (1610), the web server 100 ) Transmits the account opening error information to the customer terminal 175 through a predetermined network means (1615), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1605), the server connects the predetermined online account corresponding to the online account application information on the financial system in association with the financial system. In operation 1620, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with the chargeable prepaid card information as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new provision opening unit 165 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. Is preferably treated with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational process of prepaid rechargeable prepaid card information in the online account ledger, as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. It is preferable to process the ledger corresponding to the online account opened by the new provision opening unit 165 as a rechargeable prepaid card by linking and storing the rechargeable prepaid card information.

According to another exemplary embodiment of the present invention, the server sends predetermined rechargeable prepaid card information to a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered as shown in FIG. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 165 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. Storing the prepaid rechargeable card information in a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered, thereby corresponding to the online account opened by the provisional opening unit 165. It is desirable to treat the ledger with a rechargeable prepaid card.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

In more detail, FIG. 17 illustrates a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. As a process for processing as, specifically, the real name verification expiration date is automatically extended to the implementation method for continuously providing at least one or more financial transactions through the online account without real name verification.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account treated with the rechargeable prepaid card by referring to and / or modifying the drawing 17, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 140 on the online account registration system shown in figure 10 is referred to as " server " for convenience.

Referring to FIG. 17, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Responsive to customer real name identification events arising from financial transaction systems, including And 1700.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1705), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1710).

If the real name verification period for the online account has not passed in response to the online account application information (1715), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1715), the server is linked to the financial system and the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (1720), it is possible to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1705), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1725). In connection with the financial system, the online account is treated as a new financial account whose real name is confirmed (1730).

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1735).

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 18 is a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. In particular, when the real name verification expiration date passes, the amount deposited in the online account is transferred to the original account (for example, a financial account (or another online account) in which a predetermined amount is transferred to the online account). The present invention relates to a method for retrieving and dormant the online account.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 18. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the information processing server 140 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1800).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (1810). .

If the real name verification period for the online account has not passed in response to the online account application information (1815), the server repeats the process of verifying the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (1815), the server, in connection with the financial system, the predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (1820).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1805), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1825). In operation 1830, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1835).

19 is a diagram showing the configuration of an online account management system for transferring funds from an online account to an unopened online account according to an embodiment of the present invention.

In more detail, FIG. 19 relates to an online account management system for transferring funds from the online account registered through the online account registration system shown in FIGS. 1 and / or 10 to a predetermined unopened online account. Those skilled in the art to which the present invention pertains, various implementation methods for the construction of an online account management system for transferring funds from the online account to a predetermined non-opened online account by referring to and / or modifying the drawing 19. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 19 in accordance with an embodiment of the present invention, the online account management system may be configured for an unopened online account corresponding to an online account registered through the online account registration system shown in FIGS. 1 and / or 10. At least one client terminal 1960 that provides money transfer financial transaction information and online account security information registered to authenticate a fund transfer financial transaction from the online account to a predetermined open online account, and the client terminal 1960 Fund transfer financial transaction information for an unopened online account transmitted from the client terminal 1960 while the client terminal 1960 is connected through a predetermined network means and a predetermined communication channel for providing a web-based service is connected; Through the online account security information, a predetermined amount of With a sulfonic online account, online account management server 1900 and the on-line account for processing a funds transfer to the opening (e.g., the online account ledger equipped), characterized in that obtained by having a financial system.

In FIG. 19, the online account management server 1900 is configured as one server for convenience of description. However, the present invention is not limited thereto, and the online account management server 1900 may be implemented by those skilled in the art. According to the intention, it is possible to be implemented by at least two or more servers separated by function configuration, whereby the present invention is not limited.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access and / or write down to the financial system And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases (1305) for storing and managing.

According to an embodiment of the present invention, the financial system is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system, and the purpose and characteristics of the financial system. According to the present invention, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown), and are commonly known in the art. Those skilled in the art will be familiar with the technical details of the financial system, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

Further, the financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal 1960 (eg, a personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or provide the IC to at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal having a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or an IEEE 802.11x based wireless LAN network. Provide chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer requesting a money transfer financial transaction from the online account to a predetermined non-opened online account may include at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The user accesses the online account management server 1900 through 1960 and receives various application services provided by the online account management server 1900.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP), and a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network Preferably, the wired terminal is linked with at least one browser program and / or messenger program and / or online account for processing the money transfer financial transaction from the online account to a predetermined unopened online account through the wired communication network It is preferable that a banking program or the like is provided.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based wireless LAN communication And at least one or more wireless data communication terminals connected to the at least one browser program for processing a money transfer financial transaction from the online account to a predetermined non-opened online account through the wireless communication network. Or a messenger program and / or an online account linked banking program.

In addition, the online account management server 1900 may include at least one information / content to the client terminal 1960 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network. A portal server and / or a search server that provides a search service, and / or a personalization service including a mini homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to comprise.

According to an embodiment of the present invention, the online account management server 1900 is provided with an interface unit 1905 for connecting and managing a predetermined communication channel with the client terminal 1960 through the network means. do.

When the client terminal 1960 includes a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface unit 1905 may implement a protocol stack defined in the wired network and / or wireless network. Connect a predetermined communication channel with the client terminal 1960 based on the communication protocol, and use a communication protocol defined in a predetermined online banking program included in the client terminal 1960 to transfer from the online account to a predetermined non-opened online account. It is desirable to provide a communication interface for transmitting and receiving information (or data) for fund transfer financial transactions.

For example, when the client terminal 1960 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 may be connected to the client terminal 1960 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the client terminal 1960, the interface unit 1905 connects a communication channel with the client terminal 1960 through a messenger protocol based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for money transfer financial transaction from the online account to a predetermined open online account using a messenger protocol defined in the messenger program.

Alternatively, when the client terminal 1960 is equipped with the online account linked banking program, the interface unit 1905 communicates with the client terminal 1960 through a dedicated banking protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for money transfer financial transactions from the online account to a predetermined open online account using the banking protocol defined in the online account linked banking program.

According to another exemplary embodiment of the present invention, when the client terminal 1960 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 may be configured based on the protocol stack defined in the wireless communication network. Fund transfer financial transaction from the online account to a predetermined non-opened online account using a communication protocol defined in a predetermined online banking program included in the client terminal 1960 and connecting a predetermined communication channel with the terminal 1960 It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the client terminal 1960 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 may be configured based on the CDMA protocol. And a communication channel, and transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the client terminal 1960, the interface unit 1905 connects a communication channel with the client terminal 1960 through a messenger protocol based on at least one wireless communication protocol. And a communication interface for transmitting and receiving information (or data) for money transfer financial transaction from the online account to a predetermined open online account using a messenger protocol defined in the messenger program.

Alternatively, when the client terminal 1960 is equipped with the online account linked banking program, the interface unit 1905 communicates with the client terminal 1960 through a dedicated banking protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for money transfer financial transactions from the online account to a predetermined open online account using the dedicated banking protocol defined in the dedicated banking program.

Referring to FIG. 19, when a predetermined client terminal 1960 accesses the online account management server 1900 through the interface unit 1905 and requests for a fund transfer financial transaction from the online account to a predetermined non-opened online account. And a predetermined user for providing funds transfer financial transaction information and online account security information for a predetermined open online account for transferring funds from the online account to a predetermined open online account in conjunction with the interface unit 1905. An interface providing unit 1910 for generating an interface (or extracting from a predetermined web source D / B (not shown)) and providing the interface to the client terminal 1960, and the client terminal in cooperation with the interface unit 1905. Fund transfer financing for the open account that is input (or selected) and sent via the user interface in 1960; The information receiving unit 1915 for receiving information and online account security information, and the funds transfer financial transaction information for the unopened online account received through the information receiving unit 1915 in association with a predetermined financial system. An authentication processing unit 1920 for accessing an account and authenticating money transfer from the online account to a predetermined non-opened online account through the online account security information, and transferring funds from the online account to a predetermined non-opened online account At the time of financial transaction authentication, an online account management unit 1925 for processing money transfer financial transactions from the online account to a predetermined non-opened online account, and a predetermined online account history processed by the online account management unit 1925. Ledger processing the transaction into a predetermined financial transaction history and recording it in the online account ledger provided in the financial system. And an information storage unit 1945 for storing money transfer financial transaction information for the non-opened online account in a predetermined storage medium 1955, and corresponding to the recipient unique information. And an information transmitter 1935 for generating predetermined online account opening request information and transmitting the predetermined online account opening request information to a recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal.

When the client terminal 1960 includes a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface unit 1905 may implement a protocol stack defined in the wired network and / or wireless network. Connect a predetermined communication channel with the client terminal 1960 based on a predetermined unopened online in the online account using a predetermined communication protocol defined in a predetermined online banking program included in the client terminal 1960. It is desirable to provide a communication interface for transmitting and receiving information (or data) for fund transfer financial transactions to the account.

For example, when the client terminal 1960 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 may be connected to the client terminal 1960 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the client terminal 1960, the interface unit 1905 connects a communication channel with the client terminal 1960 through a messenger protocol based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for money transfer financial transaction from the online account to a predetermined open online account using a messenger protocol defined in the messenger program.

Or, if the client terminal 1960 is provided with a dedicated banking program provided by the online account management server 1900, the interface unit 1905 is the dedicated banking protocol based on the TCP / IP protocol Connects a communication channel with a client terminal 1960, and uses the dedicated banking protocol defined in the dedicated banking program to transmit and receive information (or data) for money transfer financial transactions from the online account to a predetermined open online account. Provide a communication interface.

According to another exemplary embodiment of the present invention, when the client terminal 1960 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 may be configured based on the protocol stack defined in the wireless communication network. Connect the terminal 1960 with a predetermined communication channel, and use the communication protocol defined in the dedicated banking program provided in the client terminal 1960 to transfer funds from the online account to a predetermined unopened online account. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the client terminal 1960 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 may be configured based on the CDMA protocol. And a communication channel, and transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the client terminal 1960, the interface unit 1905 connects a communication channel with the client terminal 1960 through a messenger protocol based on at least one wireless communication protocol. And a communication interface for transmitting and receiving information (or data) for money transfer financial transaction from the online account to a predetermined open online account using a messenger protocol defined in the messenger program.

Alternatively, when the client terminal 1960 is equipped with the online account linked banking program, the interface unit 1905 communicates with the client terminal 1960 through a dedicated banking protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for money transfer financial transactions from the online account to a predetermined open online account using the dedicated banking protocol defined in the dedicated banking program.

The interface providing unit 1910 may connect to the client terminal 1960 when a predetermined communication channel is connected between the client terminal 1960 and the online account management server 1900 through the interface unit 1905. Transfer funds from the online account to a non-opened online account for transfer of funds from the online account to a predetermined open online account in response to the functional configuration (for example, a browser program, a messenger program, or an online account linked banking program). Generate a predetermined user interface capable of inputting (or selecting) financial transaction information and online account security information and transmitting it to the online account management server 1900 via the network means, and / or to a predetermined database 1305 ( Extracted from the figure and generated in conjunction with the interface unit 1905 (or predetermined web site). And a user interface extracted from the network D / B (not shown) to the client terminal 1960 via the network means.

Thereafter, the client terminal 1960 inputs money transfer financial transaction information and online account security information for a predetermined non-opened online account for transferring funds from the online account to a predetermined non-opened online account based on the user interface. (Or select) the network means for transferring money transfer financial transaction information and online account security information for a predetermined open online account for transfer of funds from the input (or selected) online account to a predetermined open online account. Through the transmission to the online account management server 1900.

According to an embodiment of the present invention, when the client terminal 1960 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may include a browser program provided in the client terminal 1960 and / or Alternatively, a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program is generated, and the generated through the interface unit 1905 ( Alternatively, it is preferable to provide the client terminal 1960 with a user interface extracted from a predetermined web source D / B (not shown).

According to another exemplary embodiment of the present invention, when the client terminal 1960 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may include a browser program provided in the client terminal 1960. And / or generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program, and generate the generated user interface through the interface unit 1905 ( Alternatively, it is preferable to provide the client terminal 1960 with a user interface extracted from a predetermined web source D / B (not shown).

According to an embodiment of the present invention, in the online account management server 1900, money transfer finance for a predetermined open online account for transfer of funds from the client terminal 1960 to the predetermined open online account in the online account. The user interface that provides for receiving (or selecting) transaction information and online account security information may include a search service including at least one information / content, and / or a personalization service including a minihompy / blog, and / or mail. It is preferable to include a paid content payment interface to a portal server and / or a search server that provides a service, and / or a messenger service, and / or various information providing services.

In addition, the money transfer financial transaction information and online account security for the predetermined non-opened online account for the transfer of funds from the client terminal 1960 to the predetermined non-opened online account in the online account management server 1900 Preferably, the user interface provided to receive (or select) information includes a purchase payment interface of at least one internet shopping mall (eg, online sales, auction / reverse auction, etc.).

In addition, the money transfer financial transaction information and online account security for the predetermined non-opened online account for the transfer of funds from the client terminal 1960 to the predetermined non-opened online account in the online account management server 1900 Preferably, the user interface provided for receiving (or selecting) information includes a utility payment interface for at least one utility payment service.

In addition, the money transfer financial transaction information and online account security for the predetermined non-opened online account for the transfer of funds from the client terminal 1960 to the predetermined non-opened online account in the online account management server 1900 Preferably, the user interface provided for receiving (or selecting) information includes a financial transaction interface for transferring a predetermined amount of money from the online account to at least one other financial account.

The information receiving unit 1915 may transfer the money transfer financial transaction information and the online account for the predetermined unopened online account for transferring funds from the online account to the predetermined unopened online account through the user interface in the client terminal 1960. When the security information is input (or selected) and transmitted through the network means, the funds for the predetermined unopened online account for transfer of funds from the online account to the predetermined unopened online account in conjunction with the interface unit 1905. Characterized in that it receives the transfer financial transaction information and the online account security information, and provides the funds transfer financial transaction information and online account security information for the received non-opened online account to the authentication processing unit (1920).

According to an embodiment of the present invention, the funds transfer financial transaction information for the unopened online account may include the remitter online account information and the transfer amount information registered through the online account registration system shown in FIGS. 1 and / or 10. And at least one payee unique information corresponding to the unopened online account, at least one of money transfer authentication information and money transfer period information for the unopened online account, and the payee unique information is included in the unopened online account. In the case of performing the funds transfer authentication information function, the funds transfer authentication information for the unopened online account may be omitted.

The remitter online account information includes a remitter's online account number to transfer a predetermined amount of funds to a predetermined non-opened online account among the online accounts registered through the online account registration system shown in FIGS. 1 and / or 10. Preferably, the web server 100 may further include operating institution information or financial institution information for the online account according to the intention of the person skilled in the art.

Preferably, the transfer amount information includes amount information to be transferred from the remitter online account to a predetermined non-opened online account, and the transfer amount does not exceed the amount deposited in the remitter online account. Do.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, such as resident registration information (for example, name and resident registration number) of the non-opened online account, web server 100 member information (for example, Member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information.

The money transfer authentication information for the non-opened online account is the amount withdrawn from the remitter online account after the payee registers a predetermined payee online account through the online account registration system shown in FIGS. 1 and / or 10. As the authentication information for receiving the deposit by transferring the money, it is preferable that the money transfer password set by the remitter is included or at least one or more of the payee unique information is included.

For example, when the money transfer authentication information for the unopened online account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the online account shown in FIGS. 1 and / or 10. It is desirable to provide the payee prior to registering a given payee online account through a registration system, and preferably serve as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the money transfer authentication information for the unopened online account includes at least one or more of the payee unique information, a predetermined online account is established through the online account registration system shown in FIGS. 1 and / or 10. In the process of registering, by checking whether the registered online account matches the unique payee information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the open account.

The money transfer period information includes limit period information in which after the transfer amount is withdrawn (or withdrawal) from the remitter online account, the transfer amount is transferred to the payee online account matching the payee unique information and deposited. Preferably, the payee online account matching the payee unique information is not newly registered until the money transfer period information elapses, or the transfer amount is withdrawn (or runaway) from the sender online account to the payee online account. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter online account.

The authentication processor 1920 accesses the online account on the financial system through money transfer financial transaction information for the unopened online account received through the information receiver 1915 in connection with a predetermined financial system. It is done.

When accessing the online account on the financial system through the money transfer financial transaction information for the open account, the authentication processing unit 1920 is provided in the ledger corresponding to the received online account security information and the online account. By comparing and authenticating the online account security information, the funds transfer financial transaction is authenticated from the online account to a predetermined non-opened online account.

When the money transfer financial transaction is authenticated from the online account to a predetermined non-opened online account by the authentication processor 1920, the online account manager 1925, the ledger processor 1930, and the information storage 1940 are interconnected. In accordance with the online account operation procedure characterized in that for processing the money transfer financial transactions from the online account to a predetermined non-opened online account.

According to one embodiment of the present invention, the online account manager 1925 withdraws the transfer amount from the remitter's online account based on the money transfer financial transaction information for the unopened online account to the unopened online account. Fund Transfer It is preferable to process the transfer of funds for a temporary account (or escrow account, virtual account, or open online account) corresponding to the payee unique information included in the financial transaction information. In this case, the ledger processing unit 1930 Generates a withdrawal transaction history for transferring the transfer amount from the remitter online account to the payee specific information included in the funds transfer financial transaction information for the open account; Preferably, the information storage unit 1940 is not opened. Transferring funds for line accounts The remitter online account information and the transfer amount information included in the financial transaction information, the beneficiary unique information corresponding to the non-opened online account, and the funds transfer authentication information for the unopened online account are processed in a predetermined manner. It is preferable to store in the storage medium 1955.

According to another exemplary embodiment of the present invention, the online account manager 1925 withdraws the transfer amount from the remitter's online account based on the money transfer financial transaction information for the unopened online account and opens the unopened online. It is preferable to process the financial transaction transferred to the payee unique information included in the financial transaction information of the money transfer for the account. In this case, the ledger processing unit 1930 transfers the transfer amount from the remitter online account to the unopened online account. For the transfer of funds, a withdrawal transaction history that is transferred to the payee-specific information included in the financial transaction information is generated and locked to the amount corresponding to the transfer amount among the amounts deposited in the online account ledger of the remitter provided in the financial system. Preferably, the information storage unit 1940 is not opened. Transferring funds for line accounts The remitter online account information and the transfer amount information included in the financial transaction information, the beneficiary unique information corresponding to the non-opened online account, and the funds transfer authentication information for the unopened online account are processed in a predetermined manner. It is preferable to store in the storage medium 1955.

The online account management unit 1925, the ledger processing unit 1930, and the information storage unit 1940 cooperate with each other to process a money transfer financial transaction from the online account to a predetermined non-opened online account according to the online account operation procedure. Thereafter, the information transmission unit 1935 generates predetermined online account opening request information corresponding to the payee unique information.

Here, the online account opening request information includes money transfer information for the unopened online account including the transfer of funds from the remitter online account to the payee corresponding to the payee unique information. Preferably, the payee includes at least one online account request information for requesting a recipient to open a predetermined payee online account through the online account registration system shown in FIGS. 1 and / or 10.

Thereafter, the information transmitting unit 1935 transmits to the recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal, and the recipient communication means information is stored in the open online account. The client terminal 1960 used by the remitter to confirm from the payee unique information included in the funds transfer financial transaction information, or when the beneficiary communication means information is not included in the funds transfer financial transaction information for the open account. It is preferable to receive the recipient communication means information separately from.

Referring to FIG. 19, the online account manager 1925, the ledger processor 1930, and the information storage unit 1940 cooperate with each other from the online account to a predetermined unopened online account according to the online account operation procedure. After processing the money transfer financial transaction, the online account management server 1900 is connected with the web server 100 or the information processing server 140 on the online account registration system shown in FIGS. 1 and / or 10. An information checking unit 1945 for confirming that a payee online account matching the payee unique information is opened, and when the payee online account matching the payee unique information is opened, the fund transfer authentication information (or payee unique information) is established. Authenticate the transfer of the transfer amount included in the financial transaction information for the non-opened online account to the beneficiary online account for deposit It is characterized in that it comprises an authentication unit (1950), by the payee authentication unit (1950) transfer the amount of money included in the money transfer financial transaction information for the unopened online account to the payee online account If it is authenticated, the online account management unit 1925 is characterized in that for processing the financial transaction by transferring the deposit amount withdrawn from the remitter online account to the payee online account according to the online account operation procedure, The ledger processing unit 1930 may process a predetermined online account usage history processed by the online account management unit 1925 as a predetermined financial transaction history and record the recorded online account ledger provided in the financial system. And transfer the transfer amount withdrawn from the sender's online account to the payee online account. During the prohibition of financial transactions, the information transmission unit 1935 generates money transfer history information for the non-opened online account (or the payee online account) and transmits the remitter communication means (for example, the messenger ID and mail address of the remitter). , A remitter communication means including at least one wireless terminal).

In addition, the information checking unit 1945 reads the money transfer period information included in the money transfer financial transaction information for the non-opened online account, and now the transfer period for the unopened online account (or payee online account) has elapsed. And verifying that the funds are transferred to the unopened online account (or the payee online account), the online account management unit 1925 according to the online account management procedure. It is characterized in that for processing the financial transaction to refund the transfer amount withdrawn from the online account to the remitter online account, the ledger processing unit 1930 is a predetermined online account history processed by the online account management unit 1925 To process a predetermined financial transaction history and record it in the online ledger provided in the financial system. Characterized in that, during the financial transaction processing to refund the transfer amount withdrawn from the remitter online account to the remitter online account, the information transmission unit 1935 transfers funds to the unopened online account (or payee online account) Generating error information and transmitting the error information to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

The information checking unit 1945 is connected to the web server 100 or the information processing server 140 on the online account registration system shown in FIGS. 1 and / or 10 to register the online account in the online account registration process. Customer information (for example, customer name and social security number, or web server 100 member information, or messenger information, or e-mail address information, or wireless terminal information) included in the online account application information provided from the storage medium (1955). Payee-specific information (e.g., payee name and social security number, web server 100 member information, or messenger information, or e-mail address information, or wireless terminal included in the funds transfer financial transaction information for the unopened online account) Information, etc.) to check whether a payee online account matching the payee unique information is established. .

When it is confirmed by the information confirming unit 1945 that a payee online account matching the payee unique information is opened, the payee authentication unit 1950 opens the non-opening through the money transfer authentication information (or payer unique information). Fund Transfer for an Online Account It is characterized by authenticating that the transfer amount included in the financial transaction information is transferred to the payee online account and deposited.

According to the method of the present invention, when it is confirmed by the information confirming unit 1945 that a payee online account matching the payee unique information is established, the payee authenticating unit 1950 is shown in FIGS. 1 and / or 10. In connection with the web server 100 or the information processing server 140 on the online account registration system shown in the request to the customer terminal of the recipient to input and provide the predetermined funds transfer authentication information (or recipient unique information), Receives the money transfer authentication information (or payee unique information) from the customer terminal of the payee in connection with the web server 100 or the information processing server 140, and the received money transfer authentication information (or payee unique information) and Fund transfer financial transaction information for the unopened online account by comparing funds transfer authentication information (or payee unique information) stored in the storage medium 1955. It is preferable to authenticate the deposit by transferring the transfer amount included in the payee online account.

If it is authenticated by the payee certification unit 1950 to transfer the deposit amount included in the money transfer financial transaction information for the unopened online account to the payee online account and deposit the money, the online account management unit 1925 The ledger processing unit 1930 interoperates with each other and transfers the transfer amount withdrawn from the remitter online account included in the money transfer financial transaction information for the unopened online account stored in the storage medium 1955 according to the online account operation procedure. It is characterized in that for processing the financial transaction to transfer the deposit to the payee online account.

According to an exemplary embodiment of the present invention, the online account manager 1925 transfers money from the remitter's online account based on money transfer financial transaction information for the unopened online account stored in the storage medium 1955. It is preferable to process a financial transaction that deposits an amount by transferring the amount to the payee online account, and the ledger processing unit 1930 transfers the deposit amount withdrawn from the remitter online account to the payee online account and deposits the deposit. It is desirable to create a record and store it in the payee's online account ledger provided on the financial system.

According to another exemplary embodiment of the present invention, the online account manager 1925 may be withdrawn from the remitter online account based on the money transfer financial transaction information for the unopened online account stored in the storage medium 1955. It is preferable to process a financial transaction for depositing the transfer amount by depositing the transfer amount to the payee online account, and the ledger processing unit 1930 releases the lock on the transfer amount withdrawn from the remitter online account, and the remitter online The remitter online account ledger provided on the financial system by generating a withdrawal transaction history for withdrawing the unlocked transfer amount from the account and a deposit transaction history for transferring the withdrawn money to the beneficiary online account. And to the payee's online account ledger.

Thereafter, the information transmitting unit 1935 generates money transfer history information including a deposit transaction history of depositing and depositing a transfer amount withdrawn (or withdrawn) from the remitter online account to the payee online account, The money transfer history information generated is characterized in that it is transmitted to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter online account, or in the process of receiving the money transfer financial transaction information for the unopened online account from the client terminal 1960 used by the remitter It is preferable to receive the communication means information separately and store it in association with the money transfer financial transaction information.

In addition, the information checking unit 1945 compares and reads the money transfer period information included in the money transfer financial transaction information for the unopened online account with the current date and time information checked through a predetermined timer (not shown). It is characterized by checking whether the period for transferring the withdrawal amount (or withdrawal) from the remitter's online account to the unopened online account (or payee online account) has elapsed.

As a result of the check, when the period of money transfer for the unopened online account (or the payee online account) has passed, the online account management unit 1925 uses the money transfer amount withdrawn from the remitter online account according to the online account operation procedure. A financial transaction that refunds the remitter online account is processed, and the ledger processing unit 1930 refunds the amount corresponding to the refund of the transfer amount processed by the online account management unit 1925 to the remitter online account. It is preferable to generate and store in the remitter online account ledger provided on the financial system.

Thereafter, the information transmission unit 1935 generates money refund history information including a refund amount of money for refunding the transfer amount withdrawn (or withdrawal) from the remitter online account to the remitter online account, and the generated It is characterized by transmitting the reimbursement details information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter online account, or in the process of receiving the money transfer financial transaction information for the unopened online account from the client terminal 1960 used by the remitter It is preferable to receive the communication means information separately and store it in association with the money transfer financial transaction information.

20 is a diagram illustrating a process of withdrawing a transfer amount from a remitter online account for transferring funds to an unopened online account according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates the remitter online account information, the transfer amount information, and the unopened online account from the client terminal 1960 on the online account management system shown in FIG. 19 to the online account management server 1900. If the funds transfer financial transaction information for the unopened online account including at least one payee unique information corresponding to the at least one funds transfer authentication information and funds transfer period information for the unopened online account is provided, operating the online account The server 1900 withdraws (or withdraws) the transfer amount from the remitter online account based on the money transfer financial transaction information for the unopened online account, and transfers the money transfer financial transaction information for the unopened online account. To a predetermined storage medium 1955, the present invention belongs to Those skilled in the art can refer to and / or modify this drawing 20 to provide a variety of procedures for withdrawing funds from the sender's online account for transfer of funds from a given sender's online account to an unopened online account. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the client terminal 1960 on the online account management system shown in FIG. 19 is referred to as a "terminal" for convenience, and the online account management server 1900 is referred to as a "server" for convenience.

Referring to FIG. 20, the terminal accesses the server through a predetermined network means to connect a communication channel for an online account-based financial transaction (2000), and through the communication channel, a predetermined open online account to the server. Request a fund transfer financial transaction for the bank account (2005), and in response, the server secures an online account security for authenticating the fund transfer financial transaction information for the open account and the funds transfer financial transaction for the open account. A web page including a user interface for inputting (or selecting) information is generated (or extracted) (2010), and a web page including the user interface is transmitted to the terminal through the communication channel and outputted (2015). .

Thereafter, the terminal inputs (or selects) funds transfer financial transaction information and predetermined online account security information for the unopened online account through the user interface included in the web page (2020).

According to an embodiment of the present invention, the funds transfer financial transaction information for the unopened online account may include the remitter online account information and the transfer amount information registered through the online account registration system shown in FIGS. 1 and / or 10. And at least one payee unique information corresponding to the unopened online account, at least one of money transfer authentication information and money transfer period information for the unopened online account, and the payee unique information is included in the unopened online account. In the case of performing the money transfer authentication information function, the money transfer authentication information for the non-opened online account may be omitted.

The remitter online account information includes a remitter's online account number to transfer a predetermined amount of funds to a predetermined non-opened online account among the online accounts registered through the online account registration system shown in FIGS. 1 and / or 10. Preferably, the web server 100 may further include operating institution information or financial institution information for the online account according to the intention of the person skilled in the art.

Preferably, the transfer amount information includes amount information to be transferred from the remitter online account to a predetermined non-opened online account, and the transfer amount does not exceed the amount deposited in the remitter online account. Do.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, such as resident registration information (for example, name and resident registration number) of the non-opened online account, web server 100 member information (for example, Member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information.

The money transfer authentication information for the non-opened online account is the amount withdrawn from the remitter online account after the payee registers a predetermined payee online account through the online account registration system shown in FIGS. 1 and / or 10. As the authentication information for receiving the deposit by transferring the money, it is preferable that the money transfer password set by the remitter is included or at least one or more of the payee unique information is included.

For example, when the money transfer authentication information for the unopened online account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the online account shown in FIGS. 1 and / or 10. It is desirable to provide the payee prior to registering a given payee online account through a registration system, and preferably serve as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the money transfer authentication information for the unopened online account includes at least one or more of the payee unique information, a predetermined online account is established through the online account registration system shown in FIGS. 1 and / or 10. In the process of registering, by checking whether the registered online account matches the unique payee information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the open account.

The money transfer period information includes limit period information in which after the transfer amount is withdrawn (or withdrawal) from the remitter online account, the transfer amount is transferred to the payee online account matching the payee unique information and deposited. Preferably, the recipient's online account matching the payee's unique information is not newly registered until the money transfer period information elapses, or the transfer amount is withdrawn (or runaway) from the sender's online account to the payee online account. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter online account.

If the terminal transfers (or selects) funds transfer financial transaction information for the open online account and predetermined online account security information (2025), the terminal transfers the funds for the open online account through the communication channel. The transfer financial transaction information and the online account security information are transmitted to the server (2030), and in response, the server reads the online account security information to verify the validity of the money transfer financial transaction for the open account. (2035).

If the validity of the funds transfer financial transaction for the unopened online account is not authenticated (2040), the server generates and transmits and outputs the funds transfer financial transaction error information for the unopened online account to the terminal ( 2045) The process of withdrawing (or withdrawing) the transfer amount from the remitter's online account is terminated based on the money transfer financial transaction information for the open account.

On the other hand, when the validity of the money transfer financial transaction for the open online account is authenticated (2040), the server is connected with the financial system in which the remitter online account is opened to withdraw money for the transfer of funds for the open online account ( Or runaway) financial transactions (2050).

According to an embodiment of the present invention, the server withdraws the transfer amount from the remitter's online account based on the money transfer financial transaction information for the non-opened online account, the money transfer financial transaction information for the unopened online account. It is preferable to process the transfer of funds to a temporary account (or escrow account, virtual account, or unopened online account) corresponding to the payee unique information contained in the transfer account, and transfer the transfer amount from the remitter online account to the open account. Transfer funds for It is preferable to generate a withdrawal transaction details transferred to the payee unique information included in the financial transaction information and to store in the online account ledger of the remitter provided on the financial system.

According to another embodiment of the present invention, the server withdraws the transfer amount from the remitter's online account based on the money transfer financial transaction information for the open account, the money transfer finance for the unopened online account It is preferable to process a financial transaction that transfers to the payee unique information included in the transaction information, and transfers the transfer amount from the remitter online account to the payee unique information included in the money transfer financial transaction information for the unopened online account. It is preferable to set a lock on the amount corresponding to the transfer amount among the amounts deposited in the online account ledger of the remitter provided on the financial system by generating a withdrawal transaction details.

If a withdrawal (or withdrawal) financial transaction for transfer of funds to the open online account is processed (2055), the server transfers the funds transfer financial transaction information for the open account to the predetermined storage medium 1955. Save (2060).

According to an embodiment of the present invention, the server may include remitter online account information and transfer amount information included in the money transfer financial transaction information for the unopened online account, payee unique information corresponding to the unopened online account, and the unopened account. It is preferable to store the funds transfer authentication information for the online account in a predetermined storage medium 1955.

Thereafter, the server generates predetermined online account opening request information corresponding to the unique payee information, and includes the generated online account opening request information including at least one messenger ID, an e-mail address, and a wireless terminal of the payee. It transmits to a communication means (2065).

Here, the online account opening request information includes money transfer information for the unopened online account including the transfer of funds from the remitter online account to the payee corresponding to the payee unique information. Preferably, the payee includes at least one online account request information for requesting a recipient to open a predetermined payee online account through the online account registration system shown in FIGS. 1 and / or 10.

In addition, the recipient communication means information is confirmed from the recipient specific information contained in the funds transfer financial transaction information for the open account, or the recipient communication means information in the money transfer financial transaction information for the unopened online account. If not included, it is preferable that the recipient communication means is provided separately from the terminal used by the remitter.

21 is a diagram illustrating a process of depositing a transfer amount withdrawn (or withdrawal) from a remitter's online account into a payee's online account for transferring funds to an unopened online account according to an embodiment of the present invention.

In more detail, FIG. 21 illustrates a process of withdrawing a transfer amount (or withdrawal) from the remitter online account shown in FIG. 20, thereby providing the remitter online account information, the transfer amount information, and the After storing the payee unique information corresponding to the unopened online account, the funds transfer authentication information for the unopened online account, and the funds transfer financial transaction information for the unopened online account including at least one fund transfer period information; In the online account management server 1900, in connection with the web server 100 (or the information processing server 140) shown in Figures 1 and / or 10, the funds transfer financial transaction information for the unopened online account is obtained. Transfer the withdrawal (or withdrawal) from the remitter's online account to a payee online account corresponding to the open account. This is a process of depositing and depositing money, and if a person of ordinary skill in the art belongs to the present invention, withdrawal from the online account of the remitter for the transfer of funds to the non-opened online account by referring to and / or modifying the drawing 21. Although various implementation methods may be inferred for the process of depositing (or withdrawal) the transfer amount into a payee online account, the present invention includes all the implementation methods inferred above, and is shown in FIG. The technical features are not limited only by the implementation method.

In the following figure 21, the online account management server 1900 on the online account management system shown in FIG. 19 is referred to as " server " for convenience.

Referring to FIG. 21, by performing a withdrawal amount (or withdrawal) process from the remitter online account shown in FIG. 20, the remitter online account information, the transfer amount information, The server stores the money transfer financial transaction information for the unopened online account including at least one payee unique information corresponding to the open online account, at least one of money transfer authentication information and money transfer period information for the unopened online account. In operation 2100, at least one new online account is registered in connection with the web server 100 (or the information processing server 140) illustrated in FIGS. 1 and / or 10.

If it is confirmed that at least one new online account is registered (2105), the server checks whether the new online account is opened with the payee online account through the payee unique information stored in the storage medium 1955 (2110). .

According to an embodiment of the present invention, the server is connected to the web server 100 or the information processing server 140 on the online account registration system shown in FIG. 1 and / or FIG. 10 in the online account registration process. Customer information (e.g., customer name and social security number, web server 100 member information, or messenger information, e-mail address information, or wireless terminal information, etc.) included in the online account application information provided from the account registration customer and the storage Recipient specific information (for example, payee name and social security number, web server 100 member information, or messenger information, or e-mail address information included in funds transfer financial transaction information for the unopened online account stored in medium 1955, Or wireless terminal information, etc.) to confirm whether a payee online account matching the payee unique information is opened. It is preferable.

If it is not confirmed that the payee online account is opened (2115), the server checks whether the money transfer period for the payee online account has passed (2120) in association with the storage medium 1955.

According to an embodiment of the present invention, the server compares and reads the money transfer period information included in the money transfer financial transaction information for the non-opened online account with the current date and time information checked through a predetermined timer (not shown). It is preferable to check whether the period for transferring the withdrawal amount (or withdrawal) from the remitter online account to the non-opened online account (or payee online account) has passed.

If the verification result has not passed the period of money transfer (2125), the server repeats the process of checking whether the payee online account is opened until the period of money transfer.

On the other hand, if the fund transfer period has passed (2125), the server processes the financial transaction in which the transfer amount for the payee online account is refunded to the sender online account in connection with the financial system in which the remitter online account is opened. 2130, and transfers the money refund detail information corresponding to the money refund to the remitter communication means (2135).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server transfers money withdrawn from the remitter online account according to the online account operation procedure. Process the financial transaction to refund the amount to the remitter's online account, generate an amount refund history for refunding the amount corresponding to the transfer amount refund to the remitter's online account and send it to the remitter's online account ledger provided on the financial system. It is desirable to store.

Thereafter, the server generates money refund history information including a refund amount of money for refunding the transfer amount withdrawn (or withdrawal) from the remitter online account to the sender online account, and generates the money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter online account, or in the process of receiving the money transfer financial transaction information for the unopened online account from the client terminal 1960 used by the remitter It is preferable to receive the communication means information separately and store it in association with the money transfer financial transaction information.

On the other hand, if it is confirmed that the beneficiary online account is opened (2115), the server is connected to the web server 100 (or the information processing server 140) shown in FIG. 1 and / or FIG. After requesting the predetermined funds transfer authentication information (2140), and receives the funds transfer authentication information from the payee customer terminal in connection with the web server 100 (or information processing server 140) (2145), The received money transfer authentication information is compared with the money transfer authentication information stored in the storage medium 1955 to verify the validity of the money transfer financial transaction (or the recipient of the money transfer, or the online recipient of the money transfer). 2150).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the online recipient of the money transfer) through the money transfer authentication information is not authenticated (2155), the server determines that the financial system in which the remitter online account is opened. In connection with the processing of the financial transaction to refund the transfer amount for the payee online account to the remitter online account (2130), and transfers the predetermined amount of money refund details corresponding to the money refund to the sender communication means (2135) ).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server transfers money withdrawn from the remitter online account according to the online account operation procedure. Process the financial transaction that refunds the amount to the remitter's online account, generates an amount refund history for repaying the transfer amount refunded to the remitter's online account, and provides the remitter's online account ledger provided on the financial system. It is preferable to store in.

Thereafter, the server generates money refund history information including a refund amount of money for refunding the transfer amount withdrawn (or withdrawal) from the remitter online account to the sender online account, and generates the money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter online account, or in the process of receiving the money transfer financial transaction information for the unopened online account from the client terminal 1960 used by the remitter It is preferable to receive the communication means information separately and store it in association with the money transfer financial transaction information.

On the other hand, if the validity of the money transfer financial transaction (or the recipient of the money transfer, or the beneficiary online account) through the money transfer authentication information is authenticated (2155), the server opens the remitter online account and the recipient online account. In connection with the established financial system, a deposit finance transaction for transferring funds to the payee online account is processed (2160).

According to an embodiment of the present invention, when the transfer amount is withdrawn from the remitter's online account, the server transfers the remitter online based on the money transfer financial transaction information for the unopened online account stored in the storage medium 1955. Process a financial transaction by transferring the transfer amount withdrawn from the account to the payee online account, and generate a deposit transaction detail by depositing the transfer amount withdrawn from the sender online account to the payee online account; It is desirable to store in the payee's online account ledger provided on the financial system.

According to another exemplary embodiment of the present invention, when the transfer amount is withdrawn from the on-line account of the remittance, the server may be configured based on the money transfer financial transaction information for the unopened online account stored in the storage medium 1955. Process the financial transaction of depositing the transfer amount withdrawn from the sender's online account to the payee online account, unlocking the transfer amount withdrawn from the sender's online account; The withdrawal transaction details for withdrawing the unlocked transfer amount and the transfer transaction details for depositing and depositing the withdrawal transfer amount to the beneficiary online account are provided on the financial system, and the remitter online account ledger and the payee It is desirable to store it in the online ledger.

If a deposit financial transaction for transfer of funds to the payee online account is processed (2165), the server transfers the deposit amount withdrawn (or withdrawn) from the sender online account to the payee online account and deposits the deposit. Generate money transfer history information including details, and transmit the generated money transfer history information to the remitter communication means (eg, the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal). (2170).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter online account, or in the process of receiving the money transfer financial transaction information for the unopened online account from the client terminal 1960 used by the remitter It is preferable to receive the communication means information separately and store it in association with the money transfer financial transaction information.

According to the present invention, unique information (e.g., recipient's resident registration information (e.g. name and resident registration number)), web server member information (e.g., the recipient can identify (or verify) the recipient even without opening an online account Funds that allow a given sender to transfer a certain amount of money to a recipient's unopened online account through member ID information), messenger information (e.g., messenger name and messenger ID information), e-mail address information, wireless terminal information, etc. There is an advantage to providing transfer services.

According to the present invention, there is an advantage of inducing a plurality of payees to open a new online account through a money transfer service for the unopened online account.

Claims (5)

Claims [1] A method for processing money transfer of an online account opened online including a rechargeable prepaid card (or virtual account) attribute to provide a non-face-to-face financial transaction in an unidentified state, To an unopened online account that includes at least one sender's online account information, account transfer amount information, recipient's unique information (member ID information, or messenger ID information), or funds transfer period information already opened at the terminal. Setting a withdrawal lock on the money transfer amount for the remitter's online account in an online account operation means by transmitting the money transfer information for the account; Storing information on the storage medium in association with the remitter online account information, the payee unique information, and the money transfer amount information in an information storage means; Transmitting online account opening request information from the information transmitting means to the recipient communication means corresponding to the unique recipient information; Confirming, by the information confirming means, a payee online account in an unnamed state is opened based on the payee unique information; Authenticating the transfer of the account transfer amount to the payee online account through the payee unique information in a payee authentication means when the payee online account is opened as a result of the checking; And And transferring the locked amount of the withdrawal to the payee online account in association with the storage medium (or the storage medium operating means) in the online account operating means. delete The method of claim 1, After a certain period of time corresponding to the money transfer period information in the online account management means, if the payee online account is not opened, the money transfer amount is refunded to the remitter online account, or the withdrawal lock of the online account is released. The online account transfer processing method characterized in that it further comprises the step of. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In a money transfer processing system of an online account opened online including a rechargeable prepaid card (or virtual account) attribute to provide a face-to-face financial transaction in an unidentified state, To an unopened online account that includes at least one sender's online account information, account transfer amount information, recipient's unique information (member ID information, or messenger ID information), or funds transfer period information already opened at the terminal. Online account operating means for setting a withdrawal lock on the money transfer amount for the remitter online account by transmitting money transfer information for the account; Information storing means for storing the remitter online account information, the payee unique information, and the money transfer amount information in a storage medium; Information transmitting means for transmitting online account opening request information to a recipient communication means corresponding to the recipient unique information; Information checking means for confirming whether a payee online account in an unnamed state is opened based on the payee unique information; And a payee authentication means for authenticating the transfer of the money transfer amount to the payee online account through the payee unique information when the payee online account is opened as a result of the checking. The online account management means, In connection with the storage medium (or storage medium operating means), the online account fund transfer processing system characterized in that for transferring the amount of the withdrawal is locked to the payee online account.

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