KR101093127B1 - Method for Establishing Import Finance Representation Limit - Google Patents

Abstract

The present invention relates to a method for setting a representative limit of import finance and a program recording medium therefor. Receiving import financial limit information including at least one loan limit information, list credit limit information, time limit credit limit information, and foreign currency import loan limit information; and receiving the received base currency in a predetermined representative limit setting means. Setting the limit information of any one of the fund loan limit information, the list of credit card limit information, the term credit limit information, and the foreign currency import loan limit information as representative limit information on the import financial transaction of the customer; and a predetermined information storage means. The customer limit information (or import financial limit information) Associated processing and storing in a predetermined storage medium.

Import Finance, Representative Limit

Description

Method for Establishing Import Finance Representation Limit}

1 is a diagram illustrating a system for registering import finance limit information in a face-to-face manner for managing a certain credit limit relating to import finance and managing a plurality of limits according to an embodiment of the present invention.

2 is a diagram showing the structure of the import financial limit information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for managing a certain credit limit and multiple limits associated with the import financing according to an embodiment of the present invention to be.

3 is a diagram illustrating import financial limit information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for managing a certain credit limit relating to import finance and managing a plurality of limits according to another embodiment of the present invention. It is a figure which shows a structure.

4 is a diagram illustrating a structure of import financial limit information stored in a DBMS provided in a banking server in a face-to-face manner for managing a certain credit limit and a plurality of limits related to import finance according to another exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a process of registering import financial limit information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of registering import financial limit information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering import financial limit information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face import financial limit information registration system for managing a certain credit limit relating to import finance and managing a plurality of limits according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating a structure of import financial limit information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for managing a certain credit limit relating to import finance and managing a plurality of limits according to an embodiment of the present invention. Drawing.

FIG. 10 is an import financial limit stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for managing a certain credit limit and multiple limits related to import finance according to another embodiment of the present invention. It is a figure which shows an information structure.

FIG. 11 is a diagram illustrating a structure of import finance limit information stored in a DBMS provided in a banking server in a non-face-to-face manner for managing a certain credit limit and a plurality of limits related to import finance according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a process of registering import finance limit information in a non-face-to-face manner for managing a certain credit limit and a plurality of limit related to import finance according to one embodiment of the present invention.

13A, 13B, and 13C are views illustrating a process of registering import financial limit information through a non-face-to-face financial transaction channel for managing a certain credit limit and multiple limit related to import finance according to one embodiment of the present invention. to be.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: representative limit setting unit 145: information storage unit

150: information providing unit 155: storage medium

160: electronic document server 170: electronic document receiving unit

175: information generating unit 180: electronic document storage unit

185: Electronic document D / B 190: Counter terminal

195: information registration terminal

The present invention is an import financing comprising at least one or more reference currency import loan limit information, list credit limit information, due date credit limit information, foreign exchange import loan limit information for a predetermined import financial transaction customer in a predetermined information receiving means Receiving the limit information, and the limit information of any one of the received base currency import fund loan limit information, list payment credit limit information, time limit credit limit information, foreign exchange import loan limit information received by a predetermined representative limit setting means; Setting the representative limit information on the import financial transaction of the customer and storing the stored representative limit information in a predetermined storage medium by linking the set representative limit information with the customer information (or import financial limit information) in a predetermined information storing means. It includes.

The rapid development of modern society has caused many people to have various needs, and it is difficult to meet the domestic companies' production of various products among various needs.

As a result, many importers imported various products from abroad, and loans were needed to import many products.

However, loans for imports, that is, import finance, have various credit arrangements, such as base currency import loans, list credits, term loans, and foreign exchange import loans. There is a difficult problem in credit management.

In addition, due to the need for various credit arrangements, financial institutions that have entered into a credit arrangement require a large amount of unused limit allowances, and therefore, financial institutions also face difficulties in managing their funds.

An object of the present invention for solving the above problems includes at least one or more reference currency import loan limit information, list payment credit limit information, term credit limit information, foreign exchange import loan limit information for a given import financial transaction customer The customer receiving the information of the information receiving means for receiving the import financial limit information, the limit information of any one of the received base currency import fund loan limit information, list payment credit limit information, term credit limit information, foreign exchange import loan limit information Representative limit setting means for setting the representative limit information for the import financial transaction of the information storage means for storing the predetermined representative information in association with the customer information (or import financial limit information) in a predetermined storage medium; It is to provide a system for setting import limits.

Representative import financial limit setting method according to the present invention, the reference currency import loan limit information, list credit limit information, due date credit limit information, foreign exchange import loan limit for a predetermined import financial transaction customer in a predetermined information receiving means Receiving import financial limit information including at least one information; and receiving the reference currency import loan limit information, list credit limit information, time limit credit limit information, foreign currency import loan, etc. in the predetermined representative limit setting means; Setting the limit information of any one of the limit information as the representative limit information of the import financial transaction of the customer and processing the linkage of the set representative limit information with the customer information (or import financial limit information) in a predetermined information storage means; To store in a predetermined storage medium.

In the method for setting the representative limit of import finance according to the present invention, the import finance transaction is characterized in that it includes a loan for settlement of an imported bill or a takeover of an imported cargo, and opening a credit.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-mentioned import financial representative limit setting method.

On the other hand, the import financial representative limit setting system according to the present invention, at least one of the base currency import loan loan information, list credit limit information, due date credit limit information, foreign exchange import loan limit information for a predetermined import financial transaction customer Information receiving means for receiving the import financial limit information including the above, the limit information of any one of the received base currency import fund loan limit information, list payment credit limit information, deadline credit limit information, foreign exchange import loan limit information Means for setting the representative limit information for the customer's import financial transactions and information storage means for processing the set representative limit information in connection with the customer information (or import financial limit information) to store in a predetermined storage medium; Characterized in that it comprises a.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 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 embodiments will be used to properly modify the terms so that those of ordinary skill in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 a system for registering import finance limit information in a face-to-face manner for managing a certain credit limit relating to import finance and managing a plurality of limits according to an embodiment of the present invention.

In more detail, Figure 1 shows a customer's information, reference currency import loan information, list credit card information, due date letter of credit information, foreign currency import loan information for a given customer to manage a certain credit limit and multiple limits related to import finance. When the income banking limit agreement application including at least one is prepared and submitted, the predetermined window terminal 190 acquires predetermined image contents corresponding to the income banking limit agreement application through a predetermined image acquisition device, and When the import finance limit information corresponding to the import finance limit agreement application and the image content obtained from the import finance limit agreement application are provided to the import finance limit information registration system through an information registration interface, the predetermined content includes the image content. Create an import financial limit agreement electronic document It is stored in a predetermined electronic document repository, and the predetermined storage medium is processed by linking the customer information, the standard currency import money loan information, the list payment credit information, the due date credit information, and the foreign currency import money loan information included in the import financial limit information. A system configuration for storing at 155, and more specifically, relates to an implementation method in which the electronic document repository is provided on an external system associated with the import financial limit information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 1 and various implementations of the import credit limit information registration system for managing a certain credit limit and a plurality of limits related to import finance. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the import financial limit information registration system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 1, the description will be made by showing that the import financial limit agreement application electronic document corresponding to the import financial limit agreement application is generated on the server side on the import financial limit information registration system. The invention is by no means limited thereto, and the import financial limit agreement application electronic document may be generated on a terminal side that has acquired image content corresponding to the import financial limit agreement application through a predetermined image obtaining apparatus (eg, the The electronic document generation function provided on the server side is provided on the terminal side to generate the import financial limit agreement application electronic document), whereby the present invention is not limited thereto.

Hereinafter, import financial limit information and image contents corresponding to the import financial limit agreement application prepared by the customer are provided through a predetermined information registration interface on the import financial limit information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating an application electronic document and storing it in a predetermined electronic document storage and storing the income financial limit information in a predetermined storage medium 155 is referred to as "information registration." Server 100 ".

Referring to FIG. 1 according to the embodiment of the present invention, the import credit limit information registration system for managing the predetermined credit limit and the plurality of limit related to the import finance is provided in at least one branch of a financial institution (or a branch). And an information registration terminal 195 including a counter terminal 190. The information registration terminal 195 registers information provided on the import financial limit information registration system through a predetermined financial network. The communication channel is connected to the server 100.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for managing a certain credit limit and multiple limits related to the import finance, and opens a window provided at the financial institution branch branch (branch branch). At least one application for a predetermined credit limit agreement related to the income finance and a predetermined credit limit agreement for managing the plurality of limits (e.g., at least one for managing the constant credit limit agreement and multiple limit related to the income finance) A document having a form for filling in the above information item), wherein the customer seals the customer's seal for the legal basis for the application for the import financial limit agreement.

Subsequently, when the customer submits the completed income financing limit agreement application to the teller, the teller scans the income financing limit agreement application through a predetermined image obtaining device to obtain predetermined image content, and a predetermined teller window. Image contents acquired in response to the import financial limit agreement application through the terminal 190 and the customer information written in the import financial limit agreement application, reference currency import loan information, list payment credit information, time limit credit information, foreign exchange import Input (or select) import financial limit information including at least one fund loan information, and in response, the teller terminal 190 sends the image content and the import financial limit information through the financial network to the import financial limit information. It is preferable to transmit to the information registration server 100 provided on the registration system.

Here, the window terminal 190 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 190 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 190 and the information registration server 100 is connected to the window terminal 190 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the import financial limit information registration system as described above, an image acquisition device for acquiring image content corresponding to the import financial limit agreement application prepared by the customer, a window terminal 190 and the window terminal used by the employee ( 190) and the financial network connecting the information registration server 100 performs a function of an information registration interface for registering the import financial limit information for the customer to manage a certain credit limit and multiple limits related to the import finance. .

The storage medium 155 provided on the import financial limit information registration system according to the present invention includes the customer information included in the import financial limit information provided from the information registration terminal 195, reference currency import loan information, It is characterized in that the list of credit list information, due date credit information, foreign exchange import money loan information is processed in conjunction with the predetermined storage medium 155 and stored.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as the financial institution presents the draft to the specified payer, the payer information corresponding to the payer of the draft, and the draft It is preferable to include at least one or more amount information written in, it may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or associated with the import financial limit information registration system). In this case, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) the financial earning information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the import financial limit information registration system according to the present invention is a generic term for components of the import financial limit information registration system side connected to the information registration terminal 195 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 195 is a window terminal 190 connected to a predetermined financial network, the information registration server 100 is connected to the window terminal 190 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the method of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 195 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 195 is a window terminal 190 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connects the communication terminal 190 with a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the communication terminal 190. It is desirable to.

Referring to FIG. 1, when the predetermined information registration terminal 195 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 receives the income. Acquiring image contents corresponding to the application for import financial limit agreement created by the customer through a predetermined image acquisition device provided in the information registration terminal 195 for managing a certain credit limit agreement and a plurality of limit related to finance, and the income Generate (or extract) at least one user interface for inputting (or selecting) import financial limit information corresponding to the financial limit agreement application and transmitting it to the information registration server 100, and linking with the interface unit 105. The interface providing unit 110 for providing the generated (or extracted) user interface to the information registration terminal 195, and the information registration terminal. In operation 195, when the input of the financial financing limit information corresponding to the income financial limit agreement application is input (or selected) and transmitted, the information is transmitted from the information registration terminal 195 in association with the interface unit 105. An image corresponding to an income financing limit agreement application prepared by the customer through an information receiving unit 115 for receiving the imported financing limit information and a predetermined image obtaining apparatus based on the user interface in the information registration terminal 195; When the content is obtained and transmitted, it is characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the import financial limit agreement application in connection with the interface unit 105.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface unit 105 through the information registration terminal 195, and then sends the information registration server 100 to the information registration server 100. When requesting a user interface for managing a certain credit limit and a plurality of limits related to import finance, an image corresponding to the application for import finance limit agreement prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 195. Generating at least one user interface for acquiring content, inputting (or selecting) import financial limit information corresponding to the import financial limit agreement application, and transmitting the content to the information registration server 100 through the financial network; And / or extracted from a predetermined database (not shown), and generated (or extracted) in conjunction with the interface unit 105. The user interface may be provided to the information registration terminal 195 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 195 acquires image contents corresponding to the income financing limit agreement application written by the customer through a predetermined image acquisition device, and corresponds to the income financing limit agreement application. When a predetermined information registration program having at least one user interface for inputting (or selecting) import financial limit information and transmitting it to the information registration server 100 through the financial network is provided as described above, Acquire image content corresponding to the import financial limit agreement application prepared by the customer through the image acquisition device of the user, and input (or select) import financial limit information corresponding to the import financial limit agreement application to the information registration server 100; Create (or extract) a user interface to send May be omitted, the interface providing unit 110 to provide to the terminal 195 and mubang, to which the present invention is not limited.

Subsequently, the information registration terminal 195 includes, through the user interface, import financial limit information including at least one of the customer information, the base currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information. Is input (or selected), and the input (or selected) income financial limit information is transmitted to the information registration server 100 through the financial network. In connection with 105, it is characterized in that for receiving the import financial limit information transmitted from the information registration terminal 195.

In addition, the information registration terminal 195 obtains the image content corresponding to the income financial limit agreement application prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is transferred to the financial network. The image receiving unit 120 is connected to the interface unit 105 to receive the image content corresponding to the import financial limit agreement application in response thereto. do.

According to another exemplary embodiment of the present invention, the information registration terminal 195 acquires image content corresponding to the income financial limit agreement application prepared by the customer through a predetermined image acquisition device, and transmits the image content to the information registration terminal 195. In the case of pre-stored in a predetermined storage device provided (or associated), the information registration terminal 195 is the income financial limit commitment created by the customer of at least one or more image content previously stored in the storage device through the user interface An image content corresponding to an application is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 is connected to the interface unit 105 to apply for the import financial limit agreement. It is desirable to receive image content corresponding to.

According to another exemplary embodiment of the present invention, the import financial limit corresponding to the import financial limit agreement application and the image content corresponding to the import financial limit agreement application written by the customer through the user interface in the information registration terminal 195. When the information is transmitted together, the information receiving unit 115 may receive the image content corresponding to the import financial limit agreement application and the import financial limit information together with the interface unit 105 (for example, the image). The receiver 120 is integrated into the information receiver 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, when the information on the import financial limit information transmitted from the information registration terminal 195 is received through the information receiver 115, the information registration server 100 receives the information on the received income financial limit. It is characterized in that it comprises a validity check unit 125 for confirming that the validity for the schedule credit limit agreement and the multiple limit management related to the import finance.

According to an embodiment of the present invention, the validity check of the import financial limit information includes at least one ledger information matching the import financial limit information in the ledger D / B on the financial system linked to the import financial limit information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the imported financial limit information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the imported financial limit information registration system. It is desirable to include checking that it matches the customer ledger stored in / B.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include checking whether or not import financial transactions are set in the customer ledger stored in the ledger D / B on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also be included in the process of confirming the limit setting in connection with the customer information included in the same import financial limit information.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 195 through the image receiving unit 120, and receives the income through the validity checking unit 125. When the validity of the financial limit information is authenticated, the electronic document generation unit 130 for generating a predetermined import financial limit agreement application electronic document including the received image content, and the generated import financial limit agreement application electronic document And an electronic document transmission unit 135 for transmitting to the electronic document repository associated with the import financial limit information registration system.

The electronic document generating unit 130 generates an import financial limit agreement application electronic document including the image content received from the information registration terminal 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as the import finance and It is preferable to process the relevant electronic credit limit application and import financial limit agreement application documents for managing multiple limits.

Alternatively, the electronic document generation unit 130 is included in the income financial limit information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. Importing the image file corresponding to the image contents including at least one or more of customer information, reference currency import loan information, list of credit card information, overdue credit information, and foreign currency import loan information; It is desirable to create an electronic document for the application of the import financing limit agreement for schedule credit limit agreement and plural limit management related to this.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 195 through the image receiving unit 120) The import finance by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document for the application of the import financing limit agreement for schedule credit limit agreement and plural limit management related to this.

Alternatively, the electronic document generation unit 130 is included in the income financial limit information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. Generating image content including at least one or more of customer information, reference currency import loan information, list of credit card information, overdue letter of credit information, and foreign currency import loan information, by a watermarking method, and the generated image content A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), the application of the import credit limit agreement for managing a certain credit limit related to the import finance and the management of multiple limits. It is desirable to produce a consultation document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the information registration terminal 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received income financial limit information, or an MHT. By generating a web document file, etc.), it is preferable to generate a fixed credit limit agreement associated with the import finance and import financial limit agreement application electronic document for managing a plurality of limits.

Alternatively, the electronic document generation unit 130 is included in the income financial limit information received through the information receiving unit 115 in the image content received from the information registration terminal 195 through the image receiving unit 120. Generating image content including at least one or more of customer information, reference currency import loan information, list of credit card information, overdue letter of credit information, and foreign currency import loan information, by a watermarking method, and the generated image content And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one predetermined document file including the imported financial limit information, or an MHT. By generating a web document file, including), for managing a certain credit limit and multiple limit associated with the import finance It is desirable to create an electronic document for import financial limit agreement.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical characteristics of generating an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the import financial limit agreement electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the import financial limit agreement application electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the import financial limit information registration system. It is characterized by.

As shown in FIG. 1, the electronic document repository is connected to an information registration server 100 on the import financial limit information registration system through a predetermined communication means and a predetermined electronic document server 160 and electronic document D / B. When provided to the outside, including the (185), the electronic document transmission unit 135 is the electronic document through the communication means for the import financial limit agreement application electronic document generated by the electronic document generating unit 130 Characterized in that the transmission to the server (160).

Here, when the electronic document server 160 and the electronic document D / B 185 is provided outside the import financial limit information registration system, the electronic document server 160 and the electronic document D / B 185 ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the imported financial limit agreement application electronic document in the electronic document D / B 185 corresponding to the electronic document storage on the DBMS provided in the import financial limit information registration system, whereby the present invention is not limited. No.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document-related information (for example, import finance corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160 Customer information that created the limit agreement application, and / or financial institution information transmitting the import finance limit agreement electronic document, and / or electronic document file format information, and / or the import finance limit information, etc.). It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 1, the information registration server 100 may include a predetermined credit limit agreement and a plurality of limits related to the import finance through the validity checker 125 in which the income finance limit information received through the information receiver 115 is used. If the validity for the management is authenticated, the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information, which are included in the imported financial limit information for which the validity is certified, are processed in a predetermined manner. Characterized in that the information storage unit 145 to be stored in the storage medium 155 of the.

When the validity of the import financial limit information is confirmed by the validity confirming unit 125, the information storage unit 145 may include the customer information included in the import financial limit information, the reference currency import loan information, and the list credit card. And storing information in the storage medium 155 by linking information, an expired letter of credit information, and foreign currency import loan information. The storage medium 155 is provided in the information registration server 100 or the information registration. When provided on the network associated with the server 100, the information storage unit 145, the customer information included in the received income financial limit information, reference currency importer loan information, list payment credit information, due date credit information Preferably, the foreign exchange import loan information is processed in association with the storage medium 155, and the storage medium 155 is provided in the DBMS provided on the financial system In this case, the information storage unit 145 replaces the customer information included in the received income financial limit information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information on the financial system. It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

Referring to FIG. 1, the information registration server 100 may include a predetermined credit limit agreement and a plurality of limits related to the import finance through the validity checker 125 in which the income finance limit information received through the information receiver 115 is used. If the validity for the management is authenticated, the customer information included in the validated import financial limit information, the reference currency income fund loan information, the list payment credit information, the due date credit information, the foreign exchange import loan information is linked to a predetermined process Representation for the customer in association with the information stored in the reference currency import loan information, list payment credit information, due date credit information, foreign exchange import loan information corresponding to the information stored in the storage medium 155 of the Representative limit setting unit (or representative limit setting means) 140 to be set to the limit, and the customer set through the representative limit setting unit 140 When a predetermined financial institution (or credit rating agency) inquires about the loan limit for the customer, the information for providing the representative limit for the customer set by the representative limit setting unit 140 is provided. Characterized in that comprises a study (or information providing means) 150.

The representative limit setting unit 140 has a validity for managing a certain credit limit and a plurality of limit credits related to the import finance through the validity checking unit 125 through the income checking limit information received through the information receiving unit 115. If authenticated, the predetermined storage medium 155 is processed by linking the customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information, which are included in the validity of the imported financial limit information. It is characterized in that the integrated management by setting the representative currency corresponding to the limit contained in the reference currency import loan information, list payment credit information, due date credit information, foreign exchange import loan information stored in the).

According to the present invention, the representative limit setting unit 140 has a predetermined credit limit agreement and a plurality of limits related to the import finance through the validity checking unit 125 of the income financial limit information received through the information receiving unit 115. If the validity for the management is authenticated, the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information, which are included in the imported financial limit information for which the validity is certified, are processed in a predetermined manner. It is preferable to set the representative currency corresponding to the limit contained in the reference currency import money loan information, list payment credit information, the expiration letter of credit information, and foreign exchange import money loan information stored in the storage medium 155 of the integrated management.

The representative limit for the customer is a reference currency set by the customer when a predetermined institution that requires credit information about the customer, such as a predetermined financial institution or a credit rating agency, inquires about the loan limit for the customer. It is desirable to provide limits on import loans, limits on listing credits, limits on term credits, and representative limits established in response to foreign currency import loans.

For example, if the customer sets the limit of 10 billion won in each of the base currency import loan, list credit, term loan, and foreign currency import loan (for example, dollars), the value for the customer is set to 40 billion won. In fact, the loan limit for the customer is displayed as being set to 10 billion won, which is the set representative limit when inquiring from the outside, and when the customer uses the set loan limit, the reference currency import loan, the list credit, The loan limit that can be used as a letter of credit or foreign currency import loans (for example, dollars) should be less than 10 billion won or less.

In addition, if the customer uses 2 billion won in the base currency import loan, 1 billion won in the list payment credit, 3 billion won in the term loan, and 1 billion won in the foreign currency import loan (for example, the dollar), The remaining limit is preferably 3 billion.

In addition, although the base currency import loan, list credit, time limit credit, foreign exchange import loan can be managed to a plurality of limits, the base currency import loan, list payment credit, time limit credit, foreign currency import loan Each limit may be managed separately.

When the information providing unit 150 inquires the loan setting details for the customer from a predetermined financial institution (or credit rating agency) with respect to the representative limit for the customer set through the representative limit setting unit 140, Characterized in that the representative limit information for the customer set by the representative limit setting unit 140 is characterized in that it is provided.

According to the present invention, the information providing unit 150 is a loan setting for the customer in a predetermined financial institution (or credit rating agency) for the representative limit set by the representative limit setting unit 140 When querying, it is preferable to provide the representative limit information for the customer set by the representative limit setting unit 140.

Referring to FIG. 1, a predetermined import financial limit agreement application electronic document is received from the information registration server 100 provided on the import financial limit information registration system, and stored in a predetermined electronic document D / B 185. The managing electronic document server 160, the electronic document receiving unit 170 for receiving a predetermined import financial limit agreement application electronic document from the information registration server 100 through a predetermined communication means, and the received income financial limit An information generation unit 175 for generating predetermined electronic document management information for storing and managing contract application electronic documents in the electronic document D / B 185, and the electronic document management information and the import financial limit contract application electronics. And an electronic document storage unit 180 for linking and storing the document in a predetermined electronic document D / B 185.

The electronic document receiving unit 170 is characterized in that to receive the import financial limit agreement application electronic document in the form of an image file and / or document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 170 receives an electronic finance limit agreement application document received through the communication means, which the information registration server 100 receives from the information registration terminal 195. It is preferable that the image file including the image content is included as it is.

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 170 through the communication means may include the import finance on the image content received by the information registration server 100 from the information registration terminal 195. Image corresponding to image contents including watermarking method of at least one of customer information included in limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information It is preferable to include a file.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 170 receives the income financial limit agreement application electronic document received through the communication means by the information registration server 100 from the information registration terminal 195. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 170 through the communication means may include the import financial limit on the image content received by the information registration server 100 from the information registration terminal 195. Predetermined image content including at least one or more of the customer information included in the information, the reference currency import loan information, list payment credit information, overdue credit information, foreign exchange import loan information in a watermarking manner (watermarking) A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

According to another embodiment of the present invention, the import financial limit agreement application electronic document received by the electronic document receiving unit 170 through the communication means is the information registration server 100 from the information registration terminal 195 A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the received image content and the imported financial limit information. File, or a web document file including MHT).

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 170 through the communication means may include the import financial limit on the image content received by the information registration server 100 from the information registration terminal 195. Image contents including at least one or more of customer information included in the information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information, by watermarking method and the import financial limit A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

The information generating unit 175 is a predetermined electronic document unique number (or unique information) to be assigned to the import financial limit agreement application electronic document received through the electronic document receiving unit 170, and the electronic document receiving unit 170 Generating electronic document management information including electronic document archiving date and time information including a date and time at which the import financial limit agreement electronic document was received (or a date and time at which the import financial limit agreement electronic document was stored). It features.

According to an embodiment of the present invention, the information generating unit 175 refers to the information registration server 100 that has transmitted the income financial limit agreement application electronic document received through the electronic document receiving unit 170 for the income. It is preferable to identify the financial institution that has sent the financial limit agreement application electronic document and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 170, the information generating unit 175 receives the received information. Electronic document related information (e.g., customer information for preparing an import financial limit agreement application corresponding to the image content, and / or financial institution information for transmitting the import financial limit agreement application electronic document, and / or electronic document file format information). And / or the financial information of the income limit).

The electronic document storage unit 180 processes the electronic document management information generated through the information generation unit 175 with the income financial limit agreement application electronic document received through the electronic document receiving unit 170 to perform a predetermined electronic task. The document D / B 185 may be stored.

According to the exemplary embodiment of the present invention, the electronic document storage unit 180 stores the import financial limit agreement application electronic document stored in the electronic document D / B 185, the information registration server 100 is the information registration terminal. It is preferable that the image file including the image content received from 195 is included as it is.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 185 by the electronic document storage unit 180 may be received by the information registration server 100 from the information registration terminal 195. Include at least one or more of the customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information in the image content in the watermarking method. It is preferable to include an image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the information registration server 100 registers the information on the import financial limit agreement application electronic document stored in the electronic document D / B 185 by the electronic document storage unit 180. A word file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the terminal 195. , Or a web document file including MHT).

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 185 by the electronic document storage unit 180 is an image received by the information registration server 100 from the information registration terminal 195. An image that includes at least one or more information of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information included in the content in the imported financial limit information in a watermarking manner. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

According to another embodiment of the present invention, the information registration server 100, the information registration server 100 is the import financial limit agreement application electronic document that the electronic document storage unit 180 stores in the electronic document D / B (185) At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) containing the image content received from the registration terminal 195 and the import financial limit information. And at least one word processor file or web document file including MHT).

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 185 by the electronic document storage unit 180 is an image received by the information registration server 100 from the information registration terminal 195. An image that includes at least one or more information of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information included in the content in the imported financial limit information in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one content and the income financial limit information, or Web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 185 by the electronic document storage unit 180 in association with the import financial limit agreement application electronic document is stored in the import finance. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the limit agreement application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 185 by processing the electronic document storage unit 180 in conjunction with the import financial limit agreement application electronic document is the import. The financial institution may further include financial institution information that transmits the imported financial limit contract application electronic document, which has been identified with reference to the information registration server 100 that transmits the financial limit contract application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 180 processes the link with the import financial limit agreement application electronic document. The electronic document management information stored in the electronic document D / B 185 may include the received electronic document related information (for example, customer information for preparing an income financial limit agreement application corresponding to the image content, and / or the income). And financial institution information for transmitting the financial limit agreement application electronic document, and / or electronic document file format information, and / or the imported financial limit information and the like.

Figure 2 illustrates the structure of the import financial limit information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the management of a certain credit limit and multiple limits associated with the import financing according to an embodiment of the present invention Figure is shown.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 155 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. As the present invention shows an information structure for an implementation method in which import financial limit information including the customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information is stored, Those skilled in the art may be able to infer various information construction methods for storing the income financial limit information in the ledger D / B 200 by referring to and / or modifying the drawing 2. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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.

In addition, the account ledger is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bankbook Balance, Bank Account Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, Number of Unpaid Transactions, Interest System Account, Consolidation, Final Payment Interest, Final Payment It includes at least one transaction number, individual interest rate reference, and the date of final interest calculation, and at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic receipt information, and / or trust receipt 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 the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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.

Referring to FIG. 2, the import financial limit information provided through the import financial limit information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one or more customer information, the base currency import loan information, list payment credit information, time limit credit information, foreign exchange import loan information.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

According to another exemplary embodiment of the present invention, the income financial limit information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 3 is an income stored in a database linked to the ledger D / B (300) provided in the DBMS on the financial system in a face-to-face manner for the management of a certain credit limit and multiple limits related to the import financing according to another embodiment of the present invention It is a figure which shows the structure of financial limit information.

In more detail, FIG. 3 shows an information structure for an exemplary method in which the storage medium 155 shown in FIG. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 3 to link the income financial limit information to the ledger D / B 300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 shows that when it is not easy to store the imported financial limit information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B (300), or the system is not easy to expand the system due to the nature of the financial system), the import financial limit information is stored in a predetermined database instead of the ledger D / B (300) , Shows an implementation method of linking and storing the database and the ledger D / B 300.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign exchange import loan information, which are included in the import financial limit information. Preferably, the import financial limit information further includes a CIF number corresponding to the ledger information in the import financial limit information so as to be linked to the ledger D / B 300.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

4 is a diagram illustrating a structure of import financial limit information stored in a DBMS provided in the banking server 400 in a face-to-face manner for managing a certain credit limit relating to import finance and managing a plurality of limits according to another embodiment of the present invention. to be.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 155 shown in FIG. 1 is provided on an internet banking system, a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 400, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer a method of constructing information on imported financial limit information stored in a predetermined DBMS provided at 400, the present invention includes all the inferred implementation methods, and only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 4, a predetermined DBMS provided in the banking server 400 includes customer information included in the imported financial limit information, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Characterized in that the loan information is stored in association.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

5A and 5B illustrate a process of registering import financial limit information in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show the information registration terminal 195 on the import financial limit information registration system shown in FIG. 1 as a window terminal 190 provided at a branch (or a branch) of a financial institution. In the case where the server 100 has a ledger server (not shown) function on the financial system linked to the counter terminal 190 through a predetermined financial network, a predetermined credit limit contract and a plurality of predetermined credits related to imported finance are provided by a predetermined customer. To manage the limit, complete and submit an application for import financial limit agreement, which includes at least one of customer information, base currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. In step 190, a predetermined image acquisition device acquires predetermined image contents corresponding to the import financial limit agreement application, and predetermined information registration interface. A predetermined import finance comprising the image content is provided to the import financial limit information registration system through the e-S, when the import financial limit information corresponding to the import financial limit agreement application and the image content obtained from the import financial limit agreement application are provided. Generate a limit agreement application electronic document and store it in a predetermined electronic document repository, and the customer information included in the import financial limit information, the reference currency import loan information, the list payment credit information, the time limit credit information, and the foreign currency import loan information A method of performing an association process and storing the data in a predetermined storage medium 155. Specifically, the counter terminal 190 stores predetermined image contents corresponding to the application for import financial limit agreement through a predetermined image obtaining apparatus. After obtaining and transmitting to the information registration server 100, the import The implementation method of inputting (or selecting) import financial limit information corresponding to the financial limit agreement application and transmitting the same to the information registration server 100 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the import financial limit information with the information registration server 100 at the teller terminal 190. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the teller terminal 190 acquires predetermined image contents corresponding to the income financing limit application through a predetermined image acquisition device, and / or the income. Although a user interface for inputting (or selecting) import financial limit information corresponding to a financial limit agreement application is illustrated and provided from the information registration server 100, a predetermined information registration program is provided in the window terminal 190. When provided, the user interface may not be provided from the information registration server 100, thereby the present invention is not limited.

Hereinafter, the window terminal 190 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information transmitted from the counter terminal 190 to the information registration server 100, the reference currency import money loan information, list payment credit information, the due date credit information, foreign exchange import money loan information is referred to as "import financial limit information" for convenience. do.

Referring to FIGS. 5A and 5B, a predetermined customer may use customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan for the purpose of managing a certain credit limit and multiple limit related to import finance. When the application for the import financial limit agreement including at least one information is prepared and submitted, the teller terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for managing a certain credit limit agreement and a plurality of limits related to the import finance corresponding to the import finance limit agreement application (500), in response to the server through the predetermined image acquisition device in the terminal The server acquires a predetermined image content corresponding to the application for import financial limit agreement prepared by the customer. A user interface for transmitting to the terminal is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (510).

Thereafter, the terminal acquires image content corresponding to the income financing limit contract application through a predetermined image obtaining apparatus based on the user interface (515).

If the image content corresponding to the import financial limit agreement application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server imports at least one of customer information corresponding to the import financial limit agreement application matched with the image content, reference currency import loan information, list payment credit information, time limit credit information, foreign exchange import loan information Generate (or extract) a user interface for inputting (or selecting) financial limit information to the server (530), and transmit the output (or extracted) user interface through the financial network to the terminal for output. (535).

Thereafter, the terminal inputs (or selects) import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the user interface. (540).

If import financial limit information including at least one or more of the customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information is input (or selected) through the user interface (545) In operation 550, the terminal transmits the input (or selected) income financial limit information to the server through the financial network.

Thereafter, the server receives and reads the import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the term loan credit information, and the foreign currency import loan information through the financial network. The validity of the imported financial limit information is checked (555).

According to an embodiment of the present invention, the validity check of the import financial limit information is at least one or more matching the income financial limit information to the ledger D / B 300 on the financial system associated with the import financial limit information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the imported financial limit information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the imported financial limit information registration system. / B (300) is preferably made to include matching with the customer ledger stored.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include whether or not the import financial transaction is set in the customer ledger stored in the ledger D / B 300 on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also include a confirmation process for setting the limit in connection with the customer information included in the same import financial limit information.

If the validity of the import financial limit information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and performs an information registration procedure corresponding to the import financial limit information. Do not perform.

On the other hand, if the validity of the import financial limit information is authenticated (560), the server generates a predetermined import financial limit agreement application electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, to reserve credit limit related to the import finance and It is preferable to process the electronic application for import financial limit agreement for managing multiple limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Scheduled credit limit agreement in relation to the import finance, an image file corresponding to the image content including at least one or more information, such as money loan information, list credit card information, time limit credit information, foreign exchange import loan information, by watermarking method And generating an import financial limit agreement application electronic document for managing a plurality of limits.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 195 through the image receiving unit 120. A file, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), thereby creating a predetermined credit limit agreement related to the import finance. It is desirable to create an import financial limit agreement application electronic document for managing multiple limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. A predetermined document including an image content including at least one or more of the information in the loan, information on the list of credit cards, information on the due date, information on the loan due date, information on foreign currency loans, and watermarking, and includes the generated image content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Generating an electronic document for import financial limit agreement for managing a certain credit limit and multiple limit related to the import finance It is desirable to.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the income financial limit information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a fixed credit limit agreement relating to the import finance and an import finance limit agreement application electronic document for managing a plurality of limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more information of money loan information, list credit card information, term credit information, foreign exchange import loan information by watermarking method, the generated image content and the income financial limit information A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) , Etc.), import credit limits for managing a certain credit limit in relation to the import finance and managing multiple limits. To create the arrangements applying electronic documents is desirable.

Those skilled in the art to which the present invention belongs, the technical features that the server generates an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, and the import financial limit agreement application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated income financial limit agreement application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 185 associated with a server on the imported financial limit information registration system through predetermined communication means. If the server is provided externally, the server transmits the generated financial limit agreement application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (185) desirable.

Or, if the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the server is provided with the DBMS provided in the import financial limit information registration system the imported financial limit agreement application electronic document; It is possible to store in the electronic document D / B 185 corresponding to the electronic document storage of the image, by which the present invention is not limited.

According to an embodiment of the present invention, storing the import financial limit agreement application electronic document in the electronic document repository may be performed by linking the generated import finance limit agreement electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (185) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the imported financial limit agreement application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the import financial limit agreement application electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing an import financial limit agreement application corresponding to the image content, and / or financial institution information for transmitting the import financial limit agreement application electronic document. And / or the electronic document file format information, and / or the import financial limit information and the like).

If the import financial limit agreement application electronic document is stored in the electronic document repository (580), the server includes the customer information included in the import financial limit information, reference currency import loan information, list payment credit information, due date credit card Information and the foreign currency import loan information, which is linked to the predetermined storage medium 305 and stored (585), predetermined information registration history information (e.g., the electronic filing repository to store the import financial limit agreement electronic document) Details, and / or details of storing the import financial limit information in the storage medium 305) (or extracted), and transmits them to the terminal (590).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or associated with the import financial limit information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided on (or associated with) the financial limit information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering import financial limit information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 6a and 6b are a window terminal 190 provided with a financial institution branch (or branch) of the information registration terminal 195 on the import financial limit information registration system shown in Figure 1, the information registration In the case where the server 100 has a ledger server (not shown) function on the financial system linked to the counter terminal 190 through a predetermined financial network, a predetermined credit limit contract and a plurality of predetermined credits related to imported finance are provided by a predetermined customer. To manage the limit, complete and submit an application for import financial limit agreement, which includes at least one of customer information, base currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. In step 190, a predetermined image acquisition device acquires predetermined image contents corresponding to the import financial limit agreement application, and predetermined information registration interface. A predetermined import finance including the image content when the import financial limit information corresponding to the import financial limit agreement application and the image content obtained from the import financial limit agreement application are provided to the import financial limit information registration system. Generate a limit agreement application electronic document and store it in a predetermined electronic document repository, and the customer information included in the import financial limit information, the reference currency import loan information, the list payment credit information, the time limit credit information, and the foreign currency import loan information A method of performing the link processing to store in a predetermined storage medium 305. Specifically, the window terminal 190 inputs (or selects) import financial limit information corresponding to the import financial limit agreement application. After transmitting to the information registration server 100, through a predetermined image acquisition device A method of obtaining and transmitting a predetermined image content corresponding to the import financial limit agreement application to the information registration server 100 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to register the import financial limit information in the information registration server 100 at the teller terminal 190. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method shown in FIGS. 6A and 6B, the teller terminal 190 acquires predetermined image contents corresponding to the income financing limit application through a predetermined image acquisition device, and / or the income. Although a user interface for inputting (or selecting) import financial limit information corresponding to a financial limit agreement application is illustrated and provided from the information registration server 100, a predetermined information registration program is provided in the window terminal 190. When provided, the user interface may not be provided from the information registration server 100, thereby the present invention is not limited.

Hereinafter, the window terminal 190 shown in FIG. 1 in FIG. 6A and FIG. 6B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information transmitted from the counter terminal 190 to the information registration server 100, the reference currency import money loan information, list payment credit information, the due date credit information, foreign exchange import money loan information is referred to as "import financial limit information" for convenience. do.

Referring to Figures 6a and 6b, a given customer may use customer information, reference currency import loan information, list credit card information, time limit credit information, and foreign currency import loans to manage a certain credit limit and multiple limit related to import finance. When a completed application for import financial limit agreement including at least one information is prepared and submitted, the window terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for managing a certain credit limit agreement and a plurality of limits related to import finance corresponding to the import finance limit agreement application (600), the server responds to the import finance limit agreement application written by the customer. Customer information, base currency import loan information, listing credit card information, deferred credit information, foreign exchange numbers Generate (or extract) a user interface for inputting (or selecting) import financial limit information including at least one deposit loan information and transmitting it to the server (605), and generating (or extracting) through the financial network In operation 610, the user interface is transmitted to the terminal.

Thereafter, the terminal inputs (or selects) import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the user interface. (615).

If the import financial limit information including at least one or more of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information is input (or selected) through the user interface (620) In step 625, the terminal transmits the input (or selected) income financial limit information to the server through the financial network.

Thereafter, the server receives and reads the import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the term loan credit information, and the foreign currency import loan information through the financial network. The validity of the imported financial limit information is checked (630).

According to an embodiment of the present invention, the validity check of the import financial limit information is at least one or more matching the income financial limit information to the ledger D / B 300 on the financial system associated with the import financial limit information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the imported financial limit information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the imported financial limit information registration system. / B (300) is preferably made to include matching with the customer ledger stored.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include whether or not the import financial transaction is set in the customer ledger stored in the ledger D / B 300 on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also be included in the process of confirming the limit setting in connection with the customer information included in the same import financial limit information.

If the validity of the imported financial limit information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and performs an information registration procedure corresponding to the imported financial limit information. Do not perform.

On the other hand, if the validity of the income financial limit information is authenticated (635), the server acquires the predetermined image content corresponding to the income financial limit agreement application written by the customer through a predetermined image acquisition device in the terminal and the server A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the income financing limit agreement application through a predetermined image obtaining apparatus based on the user interface (655).

If the image content corresponding to the import financial limit agreement application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server receiving the income finance limit information and the image content from the terminal generates a predetermined income finance limit agreement application electronic document including the image content.

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, to reserve credit limit related to the import finance and It is preferable to process the electronic application for import financial limit agreement for managing multiple limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Scheduled credit limit agreement in relation to the import finance, an image file corresponding to the image content including at least one or more information, such as money loan information, list credit card information, time limit credit information, foreign exchange import loan information, by watermarking method And generating an import financial limit agreement application electronic document for managing a plurality of limits.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 195 through the image receiving unit 120. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). And generating an import financial limit agreement application electronic document for managing a plurality of limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. A predetermined document including an image content including at least one or more of the information in the loan, information on the list of credit cards, information on the due date, information on the loan due date, information on foreign currency loans, and watermarking, and includes the generated image content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Generating an electronic document for import financial limit agreement for managing a certain credit limit and multiple limit related to the import finance It is preferable.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the income financial limit received through the information receiving unit 115. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc.), it is preferable to generate a fixed credit limit agreement related to the import finance and an import finance limit agreement application electronic document for managing a plurality of limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more information of money loan information, list credit card information, term credit information, foreign exchange import loan information by watermarking method, the generated image content and the income financial limit information A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), import credit limits for managing a certain credit limit relating to the import finance and managing multiple limits. It is desirable to create an agreement application electronic document.

Those skilled in the art to which the present invention belongs, the technical features that the server generates an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, and the import financial limit agreement application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated income finance limit agreement electronic document in a predetermined electronic document storage 667.

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 185 associated with a server on the imported financial limit information registration system through predetermined communication means. If the server is provided externally, the server transmits the generated financial limit agreement application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (185) desirable.

Or, if the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the server is provided with the DBMS provided in the import financial limit information registration system the imported financial limit agreement application electronic document; It is possible to store in the electronic document D / B 185 corresponding to the electronic document storage of the image, thereby the present invention is not limited.

According to an embodiment of the present invention, storing the import financial limit agreement application electronic document in the electronic document repository may be performed by linking the generated import finance limit agreement electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (185) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the imported financial limit agreement application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the import financial limit agreement application electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing an import financial limit agreement application corresponding to the image content, and / or financial institution information for transmitting the import financial limit agreement application electronic document. And / or the electronic document file format information, and / or the import financial limit information and the like).

If the import financial limit agreement application electronic document is stored in the electronic document repository (680), the server includes the customer information included in the import financial limit information, reference currency import loan information, list payment credit information, due date credit card Information and foreign exchange import loan information, which is linked to the predetermined storage medium 305 and stored (685), and predetermined information registration history information (e.g., the electronic filing depository electronic document stored in the import financial limit agreement application Details, and / or details of storing the import financial limit information in the storage medium 305) are generated (or extracted) and transmitted to the terminal (690).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or associated with the import financial limit information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided on (or associated with) the financial limit information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering import financial limit information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate an information terminal 195 on the import financial limit information registration system shown in FIG. 1, which is a window terminal 190 provided at a branch (or a branch) of a financial institution. In the case where the server 100 has a ledger server (not shown) function on the financial system linked to the counter terminal 190 through a predetermined financial network, a predetermined credit limit contract and a plurality of predetermined credits related to imported finance are provided by a predetermined customer. To manage the limit, complete and submit an application for import financial limit agreement, which includes at least one of customer information, base currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. In step 190, a predetermined image acquisition device acquires predetermined image contents corresponding to the import financial limit agreement application, and predetermined information registration interface. A predetermined import finance including the image content when the import financial limit information corresponding to the import financial limit agreement application and the image content obtained from the import financial limit agreement application are provided to the import financial limit information registration system. Generate a limit agreement application electronic document and store it in a predetermined electronic document repository, and the customer information included in the import financial limit information, the reference currency import loan information, the list payment credit information, the time limit credit information, and the foreign currency import loan information A method for performing the link processing and storing the data in a predetermined storage medium 305. Specifically, the counter terminal 190 stores predetermined image contents corresponding to the application for import financial limit agreement through a predetermined image obtaining apparatus. Acquire and respond to the income financing limit agreement application By the input limit financial information input (or selected) shows an exemplary method for transmitting to the information registering server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the import financial limit information in the information registration server 100 at the teller terminal 190. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the teller terminal 190 acquires predetermined image contents corresponding to the income financing limit application through a predetermined image acquisition device, and / or the income. Although a user interface for inputting (or selecting) import financial limit information corresponding to a financial limit agreement application is illustrated and provided from the information registration server 100, a predetermined information registration program is provided in the window terminal 190. When provided, the user interface may not be provided from the information registration server 100, thereby the present invention is not limited.

Hereinafter, the window terminal 190 shown in FIG. 1 is referred to as "terminal" in FIGS. 7A and 7B, and the information registration server 100 shown in FIG. 1 is referred to as "server" for convenience. The customer information transmitted from the counter terminal 190 to the information registration server 100, the reference currency import money loan information, list payment credit information, the due date credit information, foreign exchange import money loan information is referred to as "import financial limit information" for convenience. do.

Referring to FIGS. 7A and 7B, a predetermined customer may use customer information, base currency import loan information, list payment credit information, time limit credit information, and foreign currency import loans to manage a certain credit limit and multiple limit related to import finance. When a completed application for import financial limit agreement including at least one information is prepared and submitted, the window terminal 190 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for managing a certain credit limit agreement and a plurality of limits related to import finance corresponding to the import finance limit agreement application (700), the server corresponding to the import finance limit agreement application written by the customer in the terminal Input (or select) import financial limit information corresponding to the Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the income financing limit agreement application to the server (705), and generate the generated (or extracted) user interface through the financial network. The transmission is output to the terminal (710).

Thereafter, the terminal inputs (or selects) import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the user interface. (715).

If import financial limit information including at least one or more of the customer information, the reference currency import loan information, the list of credit letters, the expiration letter of credit information, and the foreign currency import loan information is input (or selected) through the user interface (720) In operation 725, the terminal acquires image content corresponding to the income limit policy application through a predetermined image acquisition device based on the user interface.

If the image content corresponding to the import financial limit agreement application is obtained through the image acquisition device (730), the terminal transmits the import financial limit information and the image content to the server through the financial network (735). .

Thereafter, the server receives and reads the import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the term loan credit information, and the foreign currency import loan information through the financial network. The validity of the imported financial limit information is checked (740).

According to an embodiment of the present invention, the validity check of the import financial limit information is at least one or more matching the income financial limit information to the ledger D / B 300 on the financial system associated with the import financial limit information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the imported financial limit information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the imported financial limit information registration system. / B (300) is preferably made to include matching with the customer ledger stored.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include whether or not the import financial transaction is set in the customer ledger stored in the ledger D / B 300 on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. In connection with the customer information included in the import financial limit information, the same may include a confirmation process for setting the limit.

If the validity of the import financial limit information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and performs an information registration procedure corresponding to the import financial limit information. Do not perform.

On the other hand, if the validity of the import financial limit information is authenticated (745), the server generates a predetermined import financial limit agreement application electronic document including the image content (755).

According to an exemplary embodiment of the present invention, the server may use an image file including the image content received from the information registration terminal 195 through the image receiving unit 120 as it is, to reserve credit limit related to the import finance and It is preferable to process the electronic application for import financial limit agreement for managing multiple limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Image credit corresponding to image contents including at least one or more information of money loan information, list credit card information, overdue credit information, and foreign currency import loan information, by watermarking method; It is desirable to create an import financial limit agreement application electronic document for agreement and multiple limit management.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 195 through the image receiving unit 120. A file, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), thereby creating a predetermined credit limit agreement related to the import finance. It is desirable to create an import financial limit agreement application electronic document for managing multiple limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. A predetermined document including an image content including at least one or more of the information in the loan, information on the list of credit cards, information on the due date, information on the loan due date, information on foreign currency loans, and watermarking, and includes the generated image content. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Generating an electronic document for import financial limit agreement for managing a certain credit limit and multiple limit related to the import finance It is desirable to.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 195 through the image receiving unit 120 and the income financial limit information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a fixed credit limit agreement relating to the import finance and an import finance limit agreement application electronic document for managing a plurality of limits.

Alternatively, the server may include the customer information and the reference currency income included in the income financial limit information received through the information receiver 115 in the image content received from the information registration terminal 195 through the image receiver 120. Generate image content including at least one or more information of money loan information, list credit card information, term credit information, foreign exchange import loan information by watermarking method, the generated image content and the income financial limit information A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) , Etc.), import credit limits for managing a certain credit limit in relation to the import finance and managing multiple limits. To create the arrangements applying electronic documents is desirable.

Those skilled in the art to which the present invention belongs, the technical features that the server generates an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, and the import financial limit agreement application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated income financial limit agreement application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 185 associated with a server on the imported financial limit information registration system through predetermined communication means. If the server is provided externally, the server transmits the generated financial limit agreement application electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (185) desirable.

Or, if the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the server is provided with the DBMS provided in the import financial limit information registration system the imported financial limit agreement application electronic document; It is possible to store in the electronic document D / B 185 corresponding to the electronic document storage of the image, thereby the present invention is not limited.

According to an embodiment of the present invention, storing the import financial limit agreement application electronic document in the electronic document repository may be performed by linking the generated import finance limit agreement electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (185) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the imported financial limit agreement application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the import financial limit agreement application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing an import financial limit agreement application corresponding to the image content, and / or a financial institution that transmits the import finance limit agreement application electronic document. Information, and / or electronic document file format information, and / or the income limit information.

If the import financial limit agreement application electronic document is stored in the electronic document storage (765), the server includes the customer information included in the import financial limit information, reference currency import loan information, list payment credit information, due date credit card Information and the foreign currency import loan information, which are linked and stored in a predetermined storage medium 305 (770), and predetermined information registration history information (e.g., the import financial limit agreement electronic document is stored in the electronic document repository). Details, and / or details of storing the revenue financial limit information in the storage medium 305) (or extracted), and transmits them to the terminal (775).

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or associated with the import financial limit information registration system). In this case, the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 305 is provided on (or associated with) the income limit information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face import financial limit information registration system for managing a certain credit limit relating to import finance and managing a plurality of limits according to another embodiment of the present invention.

In more detail, Figure 8 is a predetermined customer through a predetermined information registration interface to the import financial limit information registration system for the management of a certain credit limit and multiple limits related to the import finance, customer information, reference currency import loan information, When the import financial limit information including at least one listing credit card information, the time limit credit information, and the foreign currency import loan information is provided, the import financial limit information registration system may include a predetermined import financial limit information including the provided import financial limit information. Promote a contract application electronic document and store it in a predetermined electronic document storage, and store the customer information, reference currency import loan information, list credit card information, time limit credit information, and foreign currency import loan information included in the import financial limit information. System to store the data in a predetermined storage medium 855 As to the configuration, it is for the embodiment method that specifically the electronic document repository is provided on the outer portion of the system associated with the income financial limit information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to implement various arrangements for import credit limit information registration system for managing a certain credit limit and import limit related to import finance. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the import financial limit information registration system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the import finance limit agreement application electronic document is illustrated as being generated on the server side on the import finance limit information registration system, but the present invention is not limited thereto. If not, the import financial limit agreement application electronic document may be generated on the terminal side that inputs (or selects) the income financial limit information (for example, the electronic document generation function provided on the server side is provided on the terminal side). To generate an advisory before applying for the import financial limit agreement), whereby the present invention is not limited thereto.

Hereinafter, by receiving the import financial limit information from the customer through a predetermined information registration interface on the import financial limit information registration system shown in FIG. 8, a predetermined import financial limit agreement application electronic document is generated to generate a predetermined electronic document repository. And a component corresponding to at least one or more means and / or functional configurations for storing the revenue financial limit information in a predetermined storage medium 855 are referred to as " information registration server 800 "

Referring to FIG. 8 according to an embodiment of the present invention, the import credit limit information registration system for managing a certain credit limit and a plurality of limits related to the import finance includes at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 890 including at least one or more client terminals and the like, wherein the information registration terminal 890 is provided on the import financial limit information registration system through a predetermined network means. The communication channel is connected to the information registration server 800 provided.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through 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, When inputting (or selecting) certain credit limit agreements related to the income finance and import finance limit information for managing a plurality of limits through at least one user interface provided by the information registration server 800, the client terminal may provide a predetermined credit limit. It is preferable to transmit to the information registration server 800 provided on the import financial limit information registration system through a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x device. It comprises a wireless LAN terminal that are linked to at least one WLAN is preferred.

Also, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or the IEEE 802.11x based wireless LAN, and / or include all kinds of wireless communication networks proposed in the future, including a predetermined wireless section.

In addition, the client terminal outputs at least one user interface provided by the information registration server 800, and inputs and / or selects at least one information through the user interface to the information registration server 800. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the information registration server 800, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the import financial limit information registration system as described above, at least one client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the information registration server 800. The wired communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register import finance limit information for managing a certain credit limit agreement and a plurality of limits related to the import finance.

According to another exemplary embodiment of the present invention, the information registration terminal 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the import financial limit information registration system as described above, when the information registration terminal 890 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (not shown) and the The financial network connecting the information registration server 800 performs a function of an information registration interface for the customer to register the import financial limit information for managing a certain credit limit and multiple limit related to the import finance, and / or When the information registration terminal 890 is the call terminal (not shown), a wired telephone network and / or wireless connection between the call terminal (not shown) and the call terminal (not shown) and the information registration server 800 The telephone network may be configured to provide an information registration interface for the customer to register import financial limit information for managing a certain credit limit and multiple limit related to the import finance. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 890 (not shown), the terminal (and / or server) (not shown). O) and the network connecting the terminal (and / or server) (not shown) and the information registration server 800 is imported financial limit information for the customer to manage a certain credit limit agreement and multiple limits associated with the import finance Performs the function of the information registration interface to register the.

The storage medium 855 provided on the import financial limit information registration system according to the present invention includes the customer information included in the import financial limit information provided from the information registration terminal 890, reference currency import loan information, It is characterized in that the list of payment credit information, due date credit information, foreign exchange import loan information is processed in conjunction with the predetermined storage medium 855 and stored.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

According to one embodiment of the invention, the storage medium 855 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or associated with the import financial limit information registration system). In this case, the storage medium 855 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 855 is provided on (or associated with) the financial earning information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the import financial limit information registration system according to the present invention is a component of the import financial limit information registration system side component connected to the information registration terminal 890 through a predetermined network means. Collectively, it may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention It is not limited.

According to an embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking Any server (or device) that is a predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system of the above, and / or a program provided in the external system of the financial system, by which the present invention is not limited. do.

According to another embodiment of the present invention, when the information registration terminal 890 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 890 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, 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 HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and 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 information registration terminal 890 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving 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. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and 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 information registration terminal 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 890 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 890 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the information registration server 800 receives the income. At least one user interface for inputting (or selecting) predetermined income financial limit information from the information registration terminal 890 to transmit the information to the information registration server 800 in order to manage a certain credit limit and a plurality of limits related to finance. And an interface providing unit 810 for generating (or extracting) and providing the generated (or extracted) user interface to the information registration terminal 890 in association with the interface unit 805, and the information registration terminal ( In 890, when the income financing limit information is input (or selected) through the user interface and is transmitted, the information registration terminal 890 is connected to the interface unit 805. Characterized in that formed by an information reception section 815 for receiving a transmitted the emitter income financial limit information.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800. When requesting a user interface for managing a certain credit limit and a plurality of limits related to import finance, the information registration server inputs (or selects) predetermined income finance limit information from the information registration terminal 890 through the network means. Create at least one user interface to be transmitted to 800, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805 to the network It is characterized in that provided to the information registration terminal 890 through the means.

According to an embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another embodiment of the present invention, when the information registration terminal 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 890 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined income financial limit information to the information registration terminal 890 and transmitting it to the information registration server 800 through the network means. In the case where a predetermined information registration program is provided, the user interface which inputs (or selects) predetermined income financial limit information and transmits it to the information registration server 800 is generated (or extracted) as described above. The interface providing unit 810 provided to the information registration terminal 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 890, through the user interface, import financial limit information including at least one of the customer information, reference currency import loan information, list payment credit information, due date credit information, foreign exchange import loan information; Is input (or selected), and the input (or selected) income financial limit information is transmitted to the information registration server 800 through the network means, and correspondingly, the information receiving unit 815 is the interface unit ( In step 805, the income limit information received from the information registration terminal 890 is received.

According to an embodiment of the present invention, the information registration terminal 890 includes at least one or more of the customer information, the reference currency import loan information, the list payment credit information, the term credit information, and the foreign currency import loan information. OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for confirming the validity of the income financial limit information in the information registration server 800 to the information It is preferable to further include at least one to transmit to the information registration server 800 through the network means.

According to an embodiment of the present invention, the information registration terminal 890 includes at least one or more of the customer information, the reference currency import loan information, the list payment credit information, the term credit information, and the foreign currency import loan information. Encrypt the information with at least one encryption scheme (eg, symmetric key based encryption scheme, and / or public key based encryption scheme, and / or electronic envelope based encryption scheme, and / or key exchange based encryption scheme, etc.); and / Or attaching a predetermined electronic signature to the imported financial limit information and transmitting the electronic signature to the information registration server 800 through the network means. For this purpose, the information registration terminal 890 includes at least one corresponding to the encryption scheme. Any certificate that has one or more encryption keys and / or includes at least one encryption key. Is provided, and / or that the certificate is provided with the case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

Those of ordinary skill in the art are familiar with the technical characteristics of various encryption methods for encrypting the import financial limit information, and the technical characteristics of attaching a predetermined electronic signature to the import financial limit information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the information registration server 800 receives the income financial limit information transmitted from the information registration terminal 890 through the information receiving unit 815. It is characterized in that it comprises a validity check unit 825 to determine whether to satisfy the validity for the schedule credit limit agreement and multiple limit management related to the import finance.

According to an embodiment of the present invention, the income financial limit information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption method, the validity confirming unit 825 converts the encrypted income financial limit information into at least one decryption method (eg, a symmetric key-based decryption method, and / or the like) corresponding to the encryption method. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received income financial limit information.

Alternatively, when a predetermined electronic signature is attached to the import financial limit information, the validity confirming unit 825 confirms the validity of the received import financial limit information by checking the electronic signature attached to the import financial limit information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted import finance limit information, and technical features for confirming an electronic signature attached to the import finance limit information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the income financial limit information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the income financial limit information, the validity checking unit 825 ) Compares and authenticates the password included in the income financial limit information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received income financial limit information.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the import financial limit information, the validity confirming unit 825 determines the validity of the import financial limit information. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating the received security card information included in the import financial limit information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the import financial limit information, the validity confirming unit 825 receives the income. The validity of the received income financial limit information is verified by comparing and authenticating the received OTP code included in the financial limit information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity check of the import financial limit information includes at least one ledger information matching the import financial limit information in the ledger D / B on the financial system linked to the import financial limit information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 825 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) is linked to the import financial limit information registration system among information included in the import financial limit information. It is desirable to include checking that it matches the customer ledger stored in / B.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include checking whether or not import financial transactions are set in the customer ledger stored in the ledger D / B on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also be included in the process of confirming the limit setting in connection with the customer information included in the same import financial limit information.

Referring to FIG. 8, when the validity of the income financial limit information is authenticated through the validity verification unit 825, the information registration server 800 includes a predetermined income financial limit including the received income financial limit information. An electronic document generation unit 830 for generating a contract application electronic document, and an electronic document transmission unit 835 for transmitting the generated import financial limit contract application electronic document to an electronic document repository associated with the import financial limit information registration system. It characterized by comprising a.

The electronic document generating unit 830 generates an import financial limit agreement application electronic document including the import financial limit information received from the information registration terminal 890 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 830 includes customer information included in income financial limit information received through the information receiving unit 815, reference currency import loan information, list payment credit information, Generate document content including at least one term of credit information and foreign exchange loan information, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or A word processing file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an electronic document for import financial limit agreement for the purpose of managing a certain credit limit relating to the import finance and managing multiple limits. It is preferable.

Alternatively, the electronic document generator 830 may include customer information included in the income financial limit information received through the information receiver 815, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Generate document content including at least one loan information, customer information included in the income financial limit information, reference currency import loan information, list payment credit information, term debit letter information, foreign currency import loan information After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or Importing a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT) Be treated with a certain credit limit financial commitments and income limits arrangements for multiple electronic document management application limits associated with convergence is desirable.

Alternatively, the electronic document generator 830 may include customer information included in the income financial limit information received through the information receiver 815, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Generating the document content including at least one loan information, and importing the image file including the image content (eg, the image content generated by capturing the document content in memory). It is preferable to process the electronic document of the application for import credit limit agreement for the management of schedule credit limit and multiple limit related to this.

Alternatively, the electronic document generator 830 may include customer information included in the income financial limit information received through the information receiver 815, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Generating document content including at least one loan information, and included in the income financial limit information in image content (eg, image content generated by capturing the document content in memory) captured by the document content; After including at least one or more information of the customer information, the reference currency import loan information, list payment credit information, due date credit information, foreign exchange import loan information, by watermarking method, and includes the image content including the watermarking Image credits for the schedule credit limit agreement and multiple limit management related to the import finance It is advisable to process the import financial limit agreement electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 830 includes customer information included in the income financial limit information received through the information receiving unit 815, reference currency import loan information, and list payment credit information. Generating document content including at least one letter of credit information and at least one foreign exchange loan information; and capturing the document content (e.g., image content generated by capturing the document content in memory). A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) E) an application for importing financial limit agreements for managing a certain credit limit relating to the importing finance and managing multiple limits. They are desirable to process each other.

Alternatively, the electronic document generator 830 may include customer information included in the income financial limit information received through the information receiver 815, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Generating document content including at least one loan information, and included in the income financial limit information in image content (eg, image content generated by capturing the document content in memory) captured by the document content; Generating an image content including at least one or more of customer information, reference currency import loan information, list of credit letters information, overdue letter of credit information, and foreign currency import loan information, by a watermarking method; Document files containing embedded image content (eg, Portable Document Format (PDF) files, or EDI (Electron) ic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) It is advisable to process the import financial limit agreement electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 830 includes customer information included in the income financial limit information received through the information receiving unit 815, reference currency import loan information, and list payment credit card. Image content that includes at least one of information, term-declared credit information, and foreign currency import loan information, and captures the document content (e.g., image content generated by capturing the document content in memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one predetermined document file including the imported financial limit information, or an MHT. By generating a web document file, including), for managing a certain credit limit and multiple limit associated with the import finance It is advisable to process the import financial limit agreement electronic documents.

Alternatively, the electronic document generator 830 may include customer information included in the income financial limit information received through the information receiver 815, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Generating document content including at least one loan information, and included in the income financial limit information in image content (eg, image content generated by capturing the document content in memory) captured by the document content; Generating image content including at least one or more of customer information, reference currency import loan information, list of credit card information, overdue letter of credit information, and foreign currency import loan information, by a watermarking method, wherein the watermarking includes A document file (e.g., Portable Document) containing the image content and the imported financial limit information. nt Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT). It is advisable to process the application for import financial limit agreement electronic document for limit agreement and multiple limit management.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 830 is a technical feature of generating an electronic financial limit agreement application electronic document of the image file format and / or a predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the import financial limit agreement electronic document will be familiar with, the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 835 transmits and stores the import financial limit agreement application electronic document generated by the electronic document generation unit 830 to a predetermined electronic document repository associated with the import financial limit information registration system. It is characterized by.

As shown in FIG. 8, the electronic document repository is connected to an information registration server 800 on the import financial limit information registration system and a predetermined electronic document server 860 and electronic document D / B linked through predetermined communication means. When provided to the outside, including the 888, the electronic document transmission unit 835 is the electronic document generating unit 830 generated by the electronic financing limit agreement application electronic document through the communication means Characterized in that the transmission to the server (860).

Here, when the electronic document server 860 and the electronic document D / B 885 are provided outside the import financial limit information registration system, the electronic document server 860 and the electronic document D / B 885 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the electronic document transmitting unit 835 is generated by the electronic document generating unit 830. It is possible to store the imported financial limit agreement application electronic document in the electronic document D / B 885 corresponding to the electronic document storage on the DBMS provided in the import financial limit information registration system, whereby the present invention is not limited. No.

According to the embodiment of the present invention, the electronic document transmission unit 835 inputs electronic document related information (eg, the import financial limit information) for generating predetermined electronic document management information in the electronic document server 860 ( The customer information, and / or financial institution information for transmitting the import financial limit agreement electronic document, and / or electronic document file format information, and / or the import financial limit information, etc.). It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 8, the information registration server 800 may include a predetermined credit limit agreement and a plurality of limits regarding import finance limit information received through the information receiving unit 815 through the validity checking unit 825. If the validity for the management is authenticated, the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information, which are included in the imported financial limit information for which the validity is certified, are processed in a predetermined manner. An information storage unit 845 is stored in the storage medium 855.

When the validity of the import financial limit information is confirmed by the validity confirming unit 825, the information storage unit 845 includes the customer information included in the import financial limit information, reference currency import loan information, and list payment. Characterized in that the credit information, due date credit information, foreign exchange import loan information is stored in the storage medium 855, the storage medium 855 is provided in the information registration server 800, or the information When provided on the network associated with the registration server 800, the information storage unit 845 is the customer information included in the received income financial limit information, reference currency importer loan information, list payment credit information, due date credit card It is preferable to store information in the storage medium 855 by linking the information and the foreign currency import loan information, and the storage medium 855 is provided in the DBMS provided on the financial system. In this case, the information storage unit 845 replaces the customer information included in the received income financial limit information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information on the financial system. It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

Referring to FIG. 8, the information registration server 800 may include a predetermined credit limit agreement and a plurality of limits regarding import finance limit information received through the information receiving unit 815 through the validity checking unit 825. If the validity for the management is authenticated, the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information, which are included in the imported financial limit information for which the validity is certified, are processed in a predetermined manner. Representation for the customer in connection with the information stored in the reference currency import loan information, list payment credit information, due date credit information, foreign currency import loan information corresponding to the information stored in the storage medium 855 of the customer; Representative limit setting unit 840 for setting the limit, and the representative limit for the customer set through the representative limit setting unit 840 When a predetermined financial institution (or credit rating agency) queries the loan agreement for the customer, the information providing unit 850 is provided to provide the representative limit for the customer set by the representative limit setting unit 840. Characterized in that made.

The representative limit setting unit 840 has a validity for managing a predetermined credit limit and a plurality of limit management related to the import finance through the validity checking unit 825 through the income financial limit information received through the information receiving unit 815. If it is authenticated, a predetermined storage medium (855) is formed by linking and processing the customer information, the standard currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information, which are included in the validity of the imported financial limit information. It is characterized in that the integrated management by setting the representative currency corresponding to the limit contained in the reference currency import loan information, list payment credit information, due date credit information, foreign exchange import loan information stored in the).

According to the present invention, the ledger manager 840 is configured to manage the amount of credit limit and the limit of credits associated with the import finance through the validity checker 825. If the validity is authenticated, a predetermined storage medium is processed by linking and processing the customer information, the standard currency importer's loan information, the list of payment credit information, the expiration letter of credit information, and the foreign currency import loan information, included in the imported financial limit information that has been validated. It is preferable to set and manage integrated management by setting the representative limit corresponding to the limit included in the reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information stored in 855.

The representative limit for the customer is a reference currency set by the customer when a predetermined institution that requires credit information about the customer, such as a predetermined financial institution or a credit rating agency, inquires about the loan limit for the customer. It is desirable to provide limits on import loans, limits on listing credits, limits on term credits, and representative limits established in response to foreign currency import loans.

For example, if the customer sets the limit of 10 billion won in each of the base currency import loan, list credit, term loan, and foreign currency import loan (for example, dollars), the value for the customer is set to 40 billion won. In fact, the loan limit for the customer is displayed as being set to 10 billion won, which is the set representative limit when the external inquiry is made, and when the customer uses the set loan limit, the reference currency import loan, list payment credit, and the term The loan limit that can be used as a letter of credit or foreign currency import loans (for example, dollars) should be less than 10 billion won or less.

In addition, if the customer uses 2 billion won in the base currency import loan, 1 billion won in the list payment credit, 3 billion won in the term loan, and 1 billion won in the foreign currency import loan (for example, USD), The remaining limit is preferably 3 billion.

In addition, although the base currency import loan, list credit, time limit credit, foreign exchange import loan can be managed to a plurality of limits, the base currency import loan, list payment credit, time limit credit, foreign currency import loan Each limit may be managed separately.

When the information providing unit 850 inquires the loan setting details for the customer from a predetermined financial institution (or credit rating agency) with respect to the representative limit for the customer set through the representative limit setting unit 840, Representative limit information for the customer set by the representative limit setting unit 840 is characterized in that to provide.

According to the present invention, the information providing unit 850 is a loan setting for the customer in a predetermined financial institution (or credit rating agency) for the representative limit set by the representative limit setting unit 840 When querying, it is preferable to provide the representative limit information for the customer set by the representative limit setting unit 840.

Referring to FIG. 8, a predetermined import financial limit agreement application electronic document is received from the information registration server 800 provided on the import financial limit information registration system, and stored in a predetermined electronic document D / B 885. The managing electronic document server 860 includes an electronic document receiving unit 870 for receiving a predetermined import financial limit agreement application electronic document from the information registration server 800 through a predetermined communication means, and the received import financial limit. An information generation unit 875 for generating predetermined electronic document management information for storing and managing contract application electronic documents in the electronic document D / B 885, and the electronic document management information and the import finance limit contract application electronics. And an electronic document storage unit 880 for linking and storing the document in a predetermined electronic document D / B 885.

The electronic document receiving unit 870 is characterized in that to receive the import financial limit agreement application electronic document in the form of an image file and / or document file from the information registration server 800 through the communication means.

According to one embodiment of the present invention, the electronic document receiving unit 870 receives the financial limit agreement application electronic document received through the communication means that the information registration server 800 received from the information registration terminal 890 Document file (e.g., PDF (Portable) containing at least one or more document information including customer information included in the import financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file containing at least one or more HWP / DOC, etc., or a web document file containing the MHT, and the like.

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is included in the import financial limit information received by the information registration server 800 from the information registration terminal 890. The customer information included in the import financial limit information in the document content including at least one of customer information, reference currency import loan information, list credit card information, time limit credit information, and foreign currency import loan information, and reference currency import loan information. Document list (eg, PDF (Portable) containing document contents including the watermarking after including at least one or more information of the list of credit card information, the time limit credit information, foreign exchange import loan information; A document that includes at least one document format (EDI) file, an electronic data interchange (EDI) file, or an HWP / DOC file. It is preferred which comprises a processor file, or web page file containing the MHT etc.).

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is included in the import financial limit information received by the information registration server 800 from the information registration terminal 890. Image content (e.g., capturing the document content in memory) that captures document content including at least one or more of customer information, reference currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. And an image file including the generated image content.

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is included in the import financial limit information received by the information registration server 800 from the information registration terminal 890. Image content (e.g., capturing the document content in memory) that captures document content including at least one or more of customer information, reference currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. Watermarking information of at least one of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information, included in the imported financial limit information). After including in a manner, including an image file containing the image content including the watermarking Be made of W are preferred.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 870 receives a financial limit agreement application electronic document received through the communication means, the information registration server 800 is received from the information registration terminal 890. Image content capturing document content including at least one of customer information, base currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information included in the import financial limit information (e.g., At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including a document content generated by capturing the document content on a memory. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is included in the import financial limit information received by the information registration server 800 from the information registration terminal 890. Image content (e.g., capturing the document content in memory) that captures document content including at least one or more of customer information, reference currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. Watermarking information of at least one of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information, included in the imported financial limit information). Generate the image content including the image content, and include the image content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

According to another embodiment of the present invention, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is the information registration server 800 from the information registration terminal 890 Image content that captures document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information. For example, a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the document content captured by the image on the memory and the income financial limit information. / DOC, or at least one word processor file, including a web document file containing MHT, etc.) It is desirable.

Alternatively, the import financial limit agreement application electronic document received by the electronic document receiving unit 870 through the communication means is included in the import financial limit information received by the information registration server 800 from the information registration terminal 890. Image content (e.g., capturing the document content in memory) that captures document content including at least one or more of customer information, reference currency import loan information, list credit card information, overdue credit information, and foreign currency import loan information. Watermarking information of at least one of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information, included in the imported financial limit information). Generating image content including the image content, and generating an image content including the watermark A document file containing imported financial limit information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like) Web document files).

The information generating unit 875 is a predetermined electronic document unique number (or unique information) to be assigned to the import financial limit agreement application electronic document received through the electronic document receiving unit 870, and the electronic document receiving unit 870 Generating electronic document management information including electronic document archiving date and time information including a date and time at which the import financial limit agreement electronic document was received (or a date and time at which the import financial limit agreement electronic document was stored). It features.

According to the exemplary embodiment of the present invention, the information generating unit 875 refers to the information registration server 800 that transmits the import financial limit agreement application electronic document received through the electronic document receiving unit 870, and receives the income. It is preferable to identify the financial institution that has sent the financial limit agreement application electronic document and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 870, the information generating unit 875 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the import financial limit information, and / or financial institution information transmitting the import financial limit agreement application electronic document, and / or electronic document file format information) And / or the financial information of the income limit).

The electronic document storage unit 880 associates the income financial limit agreement application electronic document received through the electronic document receiving unit 870 with the electronic document management information generated through the information generating unit 875 to process a predetermined electronic document. The document D / B 885 may be stored.

According to one embodiment of the invention, the electronic document storage unit 880 the import financial limit agreement application electronic document stored in the electronic document D / B 885, the information registration server 800 is the information registration terminal Document file including document content including at least one of customer information included in the import financial limit information received from 890, base currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880 is an income received from the information registration terminal 890 by the information registration server 800. Customer information included in the imported financial limit information in document content including at least one of customer information included in the financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information; Document file including document content including the watermarking after including at least one or more information of the base currency import loan information, list payment credit information, time limit credit information, foreign exchange import loan information; (Eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, or at least one or more including HWP / DOC) It is preferred which comprises a de-processor file, or web page file, and so on) containing the MHT.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880 is an income received from the information registration terminal 890 by the information registration server 800. Image content capturing document content including at least one of customer information included in the financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information. And an image file including image content generated by capturing document content on a memory.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880 is an income received from the information registration terminal 890 by the information registration server 800. Image content capturing document content including at least one of customer information included in the financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information. Image content generated by capturing document contents in memory) at least one or more of customer information included in the import financial limit information, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information. After the watermarking method, and include an image file including the image content including the watermarking. And it is preferably made.

According to another exemplary embodiment of the present invention, the information registration server 800 registers the information on the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880. Capturing document content including at least one of customer information included in the imported financial limit information received from the terminal 890, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content in memory). And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880 is an income received from the information registration terminal 890 by the information registration server 800. Image content capturing document content including at least one of customer information included in the financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information. Image content generated by capturing document contents in memory) at least one or more of customer information included in the import financial limit information, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information. Generate image content including the watermarking method, and include the image content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

According to another exemplary embodiment of the present invention, the information registration server 800 of the import financial limit agreement application electronic document stored in the electronic document D / B 885 is stored in the information registration server 800 Capturing document contents including at least one of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign exchange import loan information included in the import financial limit information received from the registration terminal 890 ( A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data), which includes captured image content (e.g., image content generated by capturing the document content in memory) and the income financial limit information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable.

Alternatively, the import financial limit agreement application electronic document stored in the electronic document D / B 885 by the electronic document storage unit 880 is an income received from the information registration terminal 890 by the information registration server 800. Image content capturing document content including at least one of customer information included in the financial limit information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information. Image content generated by capturing document contents in memory) at least one or more of customer information included in the import financial limit information, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information. To generate image content including a watermarking method, and generate an image content including the watermarking method. A document file including previously imported financial limit information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or including an MHT. Web document files).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 885 by the electronic document storage unit 880 in association with the import financial limit agreement application electronic document is stored in the import finance. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the limit agreement application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 885 by the electronic document storage unit 880 in association with the import financial limit agreement application electronic document is stored in the imported document. The financial institution may further include information on a financial institution that transmits the imported financial limit contract application electronic document, which has been identified with reference to the information registration server 800 that transmits the financial limit contract application electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 880 processes the link with the import financial limit agreement application electronic document. The electronic document management information stored in the electronic document D / B 885 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the income financial limit information) and / or the income. And financial institution information for transmitting the financial limit agreement application electronic document, and / or electronic document file format information, and / or the imported financial limit information and the like.

Figure 9 is a structure of import financial limit information stored in the ledger D / B (900) provided in the DBMS on the financial system in a non-face-to-face for the management of a certain credit limit and multiple limits associated with the import financing according to an embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 9, when the storage medium 855 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. As the present invention shows an information structure for an implementation method in which import financial limit information including the customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information is stored, Those skilled in the art will be able to infer various information construction methods for storing the income financial limit information in the ledger D / B 900 by referring to and / or modifying the drawing 9, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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.

In addition, the account ledger is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bankbook Balance, Bank Account Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, Number of Unpaid Transactions, Interest System Account, Consolidation, Final Payment Interest, Final Payment It includes at least one transaction number, individual interest rate reference, and the date of final interest calculation, and at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic receipt information, and / or trust receipt 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 the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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.

Referring to FIG. 9, the import financial limit information provided through the import financial limit information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger. And at least one of information, a base currency import loan information, a list of issued credit information, an expired letter of credit information, and a foreign currency import loan information.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

According to another exemplary embodiment of the present invention, the income financial limit information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 10 is stored in a database linked to the ledger D / B (1000) provided in the DBMS on the financial system in a non-face-to-face for the management of a certain credit limit and multiple limits related to import finance according to another embodiment of the present invention It is a figure which shows the structure of import financial limit information.

In more detail, FIG. 10 shows an information structure of an embodiment in which the storage medium 1005 shown in FIG. 8 is stored in a predetermined database processed in association with the ledger D / B 1000 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 10 to link the income financial limit information with the ledger D / B 1000 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the imported financial limit information in the ledger information of the ledger D / B 1000 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of the financial institution). If it is not easy to change the D / B 1000 or the system is not easy to expand due to the characteristics of the financial system), the income financial limit information is stored in a predetermined database instead of the ledger D / B 1000. The implementation method of interworking and storing the database and the ledger D / B 1000 is illustrated.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database stores and stores the customer information, the standard currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign exchange import loan information in the import financial limit information. Preferably, the import financial limit information further includes a CIF number corresponding to the ledger information in the import financial limit information so as to be linked to the ledger D / B 1000.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a letter of credit that pays the bill of exchange until the expiration date of the bill is reached, when a predetermined bill purchase banking institution presents a bill of exchange to a predetermined payer. It is preferable to include at least one or more payer information, the amount of money information written on the draft, and the expiration date information on the draft, and may be added or deleted according to the intention and purpose of those skilled in the art.

The forex import loan information is stored in a foreign currency set by the customer to settle the currency of the country where the company selling the product is located in order for the customer to import a predetermined product or the like. As a corresponding import money loan, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, Forex import loan information may be set as a separate loan corresponding to each exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

11 is a diagram illustrating a structure of import financial limit information stored in a DBMS provided in the banking server 1100 in a non-face-to-face manner for managing a certain credit limit and a plurality of limit related to import finance according to another embodiment of the present invention. Drawing.

More specifically, in Figure 11, the storage medium 855 shown in Figure 8 is a predetermined banking provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server 1100, those skilled in the art to which the present invention pertains, at least one banking server ( Although it is possible to infer a method of constructing information on imported financial limit information stored in a predetermined DBMS provided in 1100, the present invention includes all the inferred implementation methods, and only the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 11, a predetermined DBMS provided in the banking server 1100 includes customer information included in the imported financial limit information, reference currency import loan information, list payment credit information, due date credit information, and foreign currency import funds. Characterized in that the loan information is stored in association.

The base currency import loan information is set to allow the customer to borrow a predetermined amount for the base currency corresponding to the currency of the target country for importing a predetermined product or the like into a predetermined country. It is preferable to include at least one or more customer number information, approval number information, approval subject information, approved currency information, approved amount information, balance amount information, contract date information, contract expiration date information for the loan, the intention and purpose of those skilled in the art It may also be added or deleted depending on.

The list of letters of credit means that the list of letters of credit means a letter of credit confirming the payment as soon as a predetermined bill purchase banking institution presents the draft to a given payer, the payer information corresponding to the payer for the draft, and the draft It is preferable to include at least one written amount information, and may be added or deleted according to the intention and purpose of those skilled in the art.

The term term credit information means that the term term credit letter is a credit which pays the bill of exchange until the expiration date of the bill is reached, when the financial institution purchases a predetermined bill, and presents the draft to the predetermined payer. It is preferable to include at least one or more information, the amount of money information written on the draft, and the expiration date information on the draft, it may be added or deleted according to the intention and purpose of those skilled in the art.

The foreign exchange import loan information is a predetermined foreign exchange set by the customer to settle the currency of the country where the company that sells the product in order to import a predetermined product, or the currency required by the enterprise As an import money loan corresponding to, it is preferable to include at least one of customer number information, approval number information, approved subject information, approved currency information, approved amount information, balance information, contract date information, contract expiration date information, The foreign currency import loan information may be set as a separate loan corresponding to each currency exchange.

The customer information includes personal information of the customer (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the import financial limit agreement application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the import financial limit information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. Number or the like), and the like.

12A and 12B illustrate a process of registering import finance limit information in a non-face-to-face manner in order to manage a certain credit limit and a plurality of limits related to import finance according to one embodiment of the present invention.

12A and 12B show that the information registration terminal 890 on the import financial limit information registration system shown in FIG. 8 is a client terminal, and the information registration server 800 is a client terminal through a predetermined network means. In the case of having a web server function accessible to the client, a predetermined customer can use the client terminal to manage customer information, reference currency import loan information, and a list of credit cards through the client terminal for managing a predetermined credit limit and a plurality of limits related to the import finance. When providing the import financial limit information including at least one of information, term credit information, and foreign currency import loan information, the import financial limit agreement application including the provided import financial limit information in the import financial limit information registration system, e. Create a document and store it in a predetermined electronic document storage; As an embodiment of the present invention, the customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information, which are included in the financial limit information, are stored in a predetermined storage medium 1005. For those of ordinary skill in the art to which the present invention pertains, various examples of registering the income financial limit information from the client terminal to the information registration server 800 by referring to and / or modifying the drawings 12a and 12b. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, in the implementation method shown in FIGS. 12A and 12B, a user interface through which the client terminal inputs (or selects) the income financial limit information is provided through a predetermined web page provided by the information registration server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information transmitted to the information registration server 800 are referred to as "import financial limit information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, When requesting a web page including a user interface for managing a schedule credit limit and a plurality of limits related to finance (1200), the server correspondingly responds to the customer information, the reference currency import loan information, the list payment credit information, and the due date. Input (or select) import financial limit information including at least one letter of credit information and foreign currency import loan information, and send it to the server. A web page including a user interface for generating a web page is generated (or extracted) (1205), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1210). .

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the import financial limit information registration procedure, whereby the present invention is not limited thereto. No.

Subsequently, the terminal inputs at least one customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information through the user interface included in the web page. (Or select) 1215.

If the terminal receives (or selects) import financial limit information including the customer information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign currency import loan information, through the user interface (1220) The terminal transmits the input (or selected) customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information to the server through the communication channel (1225). .

According to an embodiment of the present invention, the terminal includes at least one or more of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information at the server. The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the imported financial limit information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one or more import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the expiration credit information, and the foreign currency import loan information. Encrypt using encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the income finance limit Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal includes at least one or more import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the expiration credit information, and the foreign currency import loan information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If a certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

Those of ordinary skill in the art are familiar with the technical characteristics of various encryption methods for encrypting the import financial limit information, and the technical characteristics of attaching a predetermined electronic signature to the import financial limit information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the communication channel to confirm the validity of the import financial limit information. (1230).

According to an embodiment of the present invention, the income financial limit information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted revenue financial limit information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received income financial limit information.

Alternatively, when a predetermined electronic signature is attached to the import financial limit information, the server verifies the validity of the received import financial limit information by checking the electronic signature attached to the import financial limit information. .

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted import finance limit information, and technical features for confirming an electronic signature attached to the import finance limit information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the income financing limit information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the income financing limit information, the server may generate the income financing. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating a password included in the limit information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the import financial limit information, the server may be included in the import financial limit information. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the import financial limit information, the server is included in the import financial limit information. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the import financial limit information is at least one or more matching the income financial limit information to the ledger D / B (1000) on the financial system associated with the import financial limit information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 825 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) is linked to the import financial limit information registration system among information included in the import financial limit information. / B (1000) is preferably made to include matching with the customer ledger stored in.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include checking whether or not the import financial transaction is set in the customer ledger stored in the ledger D / B 1000 on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also include a confirmation process for setting the limit in connection with the customer information included in the same import financial limit information.

If the validity of the imported financial limit information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits the generated webpage to the terminal (1240), corresponding to the imported financial limit information. Do not perform the information registration procedure.

On the other hand, if the validity of the imported financial limit information is authenticated (1235), the server includes at least one or more customer information including the imported financial limit information, reference currency import loan information, list payment credit information, due date credit information, foreign exchange A predetermined document content including import money loan information is generated (1245), and a predetermined import financial limit agreement application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, reference currency import loan information, list payment credit information, deadline credit information, and foreign exchange import loan information included in the received income financial limit information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) may be processed as an electronic document for importing financial limit agreements for managing a certain credit limit agreement and a plurality of limit related to the import finance.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Watermarking information on at least one of customer information, reference currency import loan information, list payment credit information, overdue letter of credit information, and foreign currency import loan information in the document contents. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing the MHT, etc.) To handle the administrative limit imports to limit the financial arrangements applying to electronic documents is desirable.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; And importing an image file including image content (eg, image content generated by capturing the document content in memory) that captures the document content, for a predetermined credit limit agreement and multiple limit management related to the income finance. It is desirable to process the financial limit agreement electronic documents.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); After including at least one or more information of the information, term credit information, foreign exchange import loan information by watermarking (Watermarking) method, a certain credit limit commitment related to the import finance to an image file including the image content including the watermarking Application for import financial limit agreements to manage Lee it is preferable to.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information included in the received income financial limit information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. A certain credit limit associated with the imported finance by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to process the electronic application for import financial limit agreement for agreement and multiple limit management.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); A document file (e.g., PDF) that generates image content including at least one or more information of information, term credit information, and foreign currency import loan information in a watermarking manner, and includes the image content including the watermarking. Write down Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, or HWP / DOC. By generating at least one word processor file or a web document file including MHT), and processing it as an electronic document for application of import finance limit agreement for managing a certain credit limit agreement related to the import finance and managing a plurality of limits. Do.

According to another exemplary embodiment of the present invention, the server includes at least customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information included in the received income finance limit information. A predetermined document file including document content including one or more document contents, and including image content (eg, image content generated by capturing the document content on a memory) and the income financial limit information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Application for import credit limit agreements to manage schedule credit limit and multiple limit related to import finance Lee it is preferable to.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); A document including image information including at least one or more of information, term credit information, and foreign currency loan loan information by a watermarking method, and including the watermarking image content and the imported financial limit information Files (e.g., Portable Document Format (PDF) files, or Electronic Data Intercha) nge) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby importing finance for managing a certain credit limit relating to the import finance and managing a plurality of limits. It is desirable to process the limit agreement electronic documents.

Those skilled in the art to which the present invention belongs, the technical features that the server generates an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, and the import financial limit agreement application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated income finance limit agreement application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 860 and an electronic document D / B 885 associated with a server on the import financial limit information registration system through predetermined communication means. If the server is provided externally, the server transmits the generated financial limit agreement application electronic document to the electronic document server 860 through the communication means to store in the electronic document D / B 885. desirable.

Or, if the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the server is provided with the DBMS provided in the import financial limit information registration system the imported financial limit agreement application electronic document; It is possible to store in the electronic document D / B 885 corresponding to the electronic document storage of the prize, and the present invention is not limited thereby.

According to an embodiment of the present invention, the storing of the import financial limit agreement application electronic document in the electronic document repository may be performed by linking the generated import financial limit agreement application electronic document with predetermined electronic document management information as shown in FIG. 8. It is preferable to include storing in the electronic document D / B 885 shown in the.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the imported financial limit agreement application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the import financial limit agreement application electronic document.

In addition, the electronic document management information includes predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the imported financial limit information and / or financial institution information transmitting the imported financial limit agreement electronic document). And / or the electronic document file format information, and / or the import financial limit information and the like).

If the import financial limit agreement application electronic document is stored in the electronic document storage (1260), the server includes the customer information included in the import financial limit information, reference currency import loan information, list payment credit information, due date credit card Information and foreign exchange import loan information in a predetermined storage medium (1005) by processing the linkage information (1265), predetermined information registration history information (e.g., the electronic filing repository to store the import financial limit agreement electronic document) Details, and / or details of storing the import financial limit information in the storage medium 1005) (or extracted), and transmits them to the terminal (1270).

According to one embodiment of the present invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or linked with the import financial limit information registration system). In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1005 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the income financial limit information registration system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of registering import financial limit information through a non-face-to-face financial transaction channel for managing a certain credit limit and multiple limit related to import finance according to one embodiment of the present invention. to be.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the income limit information registration system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the income shown in FIG. 8). In the case where the information registration server 800 on the financial limit information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits predetermined credit limit agreement related to import finance and predetermined income finance limit information for managing a plurality of limits to the internet banking server, the received income finance from the internet banking server is performed. Generate a predetermined import financial limit agreement application electronic document containing limit information to send a predetermined electronic document And the customer information included in the import financial limit information, the reference currency import loan information, the list payment credit information, the expiration letter of credit information, and the foreign exchange import loan information in a predetermined storage medium 1005. As an embodiment of the present invention, one of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 13a, 13b, and 13c to perform the above-described method through other types of non-face-to-face financial transaction channels. Various implementation methods for registering the import financial limit information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although a method of connecting an internet banking-based financial transaction channel for registering import financial limit information between the client terminal and the internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13a, 13b, and 13c. And internet banking standing Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering import financial limit information between the burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transaction channels for registration of import financial limit information. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 13A, 13B, and 13C.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as "server" for convenience.

13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (1305a), where the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal. It means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registration of import financial limit information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registration of import financial limit information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. Etc.) and input (or generate) the data to the authentication server, and authenticate the customer connected through the terminal as the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers a predetermined credit limit agreement related to import finance and predetermined income finance limit information for managing a plurality of limits from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for managing a certain credit limit relating to the income finance and managing a plurality of limits to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly A user for inputting (or selecting) import financial limit information including at least one of the customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information, to transmit to the server. A web page including an interface is generated (or extracted) (1305b), and the web page including the generated (or extracted) user interface is output to the terminal through the internet banking-based financial transaction channel (1310b). ).

According to an embodiment of the present invention, the web page includes import financial limit information including at least one of customer information, reference currency import loan information, list payment credit information, overdue credit information, and foreign currency import loan information in the terminal. It may preferably comprise a user interface for inputting (or selecting) and / or certain password and / or security card information (e.g., to verify validity for an Internet banking customer requesting to register the revenue financial limit information). The security card information printed on the security card issued to the customer during the internet banking application process and / or the one time password (for example, after the internet banking application process (or after the internet banking application)). User entering an OTP authenticator (or one-time password generated by the OTP authenticator) It further includes an interface is preferred.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the import financial limit information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the information registration interface. (1315b).

If the terminal receives (or selects) import financial limit information including the customer information, the base currency import loan information, the list payment credit information, the due date credit information, and the foreign currency import loan information through the user interface (1320b) In operation 1325b, the terminal transmits the input (or selected) income financial limit information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal includes at least one or more of the customer information, the base currency import loan information, the list payment credit information, the expiration credit information, and the foreign currency import loan information at the server. The network means further including at least one predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the imported financial limit information. It is preferable to transmit to the server via.

According to an embodiment of the present invention, the terminal includes at least one or more import financial limit information including at least one of the customer information, the reference currency import loan information, the list payment credit information, the expiration credit information, and the foreign currency import loan information. Encrypt using encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the income finance limit Preferably, a predetermined electronic signature is attached to the information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption. Have a predetermined certificate containing a key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal includes at least one or more import financial limit information including at least one of the customer information, reference currency income fund loan information, list payment credit information, time limit credit information, and foreign currency import loan information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If a certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

Those of ordinary skill in the art are familiar with the technical characteristics of various encryption methods for encrypting the import financial limit information, and the technical characteristics of attaching a predetermined electronic signature to the import financial limit information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the import financial limit information through the financial transaction channel to confirm the validity of the import financial limit information (1330b).

According to an embodiment of the present invention, the revenue financial limit information is at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may convert the encrypted revenue financial limit information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. Method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received income financial limit information.

Alternatively, when a predetermined electronic signature is attached to the import financial limit information, the server verifies the validity of the received import financial limit information by checking the electronic signature attached to the import financial limit information. .

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted import finance limit information, and technical features for confirming an electronic signature attached to the import finance limit information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the income financing limit information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the income financing limit information, the server may generate the income financing. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating a password included in the limit information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the import financial limit information, the server may be included in the import financial limit information. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the import financial limit information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the import financial limit information, the server is included in the import financial limit information. It is preferable to authenticate the validity of the received income financial limit information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity verification of the import financial limit information is at least one matched with the import financial limit information in the ledger D / B (1000) on the financial system associated with the import financial limit information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 825 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) is linked to the import financial limit information registration system among information included in the import financial limit information. / B (1000) is preferably made to include matching with the customer ledger stored in.

In addition, the validity verification of the import financial limit information is finance associated with the import financial limit information registration system in connection with the customer information (customer personal information, member information, etc.) of the information contained in the import financial limit information. It is preferable to include checking whether or not the import financial transaction is set in the customer ledger stored in the ledger D / B 1000 on the system.

In addition, the validity verification of the import financial limit information, the information contained in the import financial limit information, among the information included in the standard currency import loans, list payment credits, time limit credits, foreign exchange import money loans at least one predetermined early warning system, etc. It may also be included in the process of confirming the limit setting in connection with the customer information included in the same import financial limit information.

If the validity of the imported financial limit information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits the generated webpage to the terminal (1340b) and corresponds to the imported financial limit information. Do not perform the information registration procedure.

On the other hand, if the validity of the imported financial limit information is authenticated (1335b), the server includes at least one or more customer information including the imported financial limit information, reference currency import loan information, list payment credit information, due date credit information, and foreign exchange. Generates predetermined document content including import money loan information (1345b), and generates a predetermined import financial limit agreement application electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, reference currency import loan information, list payment credit information, deadline credit information, and foreign exchange import loan information included in the received income financial limit information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including an MHT) may be processed as an electronic document for importing financial limit agreements for managing a certain credit limit agreement and a plurality of limit related to the import finance.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Watermarking information on at least one of customer information, reference currency import loan information, list payment credit information, overdue letter of credit information, and foreign currency import loan information in the document contents. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing the MHT, etc.) To handle the administrative limit imports to limit the financial arrangements applying to electronic documents is desirable.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; And importing an image file including image content (eg, image content generated by capturing the document content in memory) that captures the document content, for a predetermined credit limit agreement and multiple limit management related to the income finance. It is desirable to process the financial limit agreement electronic documents.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); After including at least one or more information of the information, term credit information, foreign exchange import loan information by watermarking (Watermarking) method, a certain credit limit commitment related to the import finance to an image file including the image content including the watermarking Application for import financial limit agreements to manage Lee it is preferable to.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, reference currency import loan information, list payment credit information, deadline credit information, and foreign currency import loan information included in the received income financial limit information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. A certain credit limit associated with the imported finance by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process the electronic filing of the Import Monetary Limit Agreement for Contract and Multiple Limit Management.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); A document file (e.g., PDF) that generates image content including at least one or more information of information, term credit information, and foreign currency import loan information in a watermarking manner, and includes the image content including the watermarking. Write down Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, or HWP / DOC. By generating at least one word processor file or a web document file including MHT), and processing it as an electronic document for application of import finance limit agreement for managing a certain credit limit agreement related to the import finance and managing a plurality of limits. Do.

According to another exemplary embodiment of the present invention, the server includes at least customer information, reference currency import loan information, list payment credit information, time limit credit information, and foreign currency import loan information included in the received income finance limit information. A predetermined document including document content including at least one document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the income financial limit information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), As an electronic document for the application of the import finance limit agreement for managing the constant credit limit and multiple limit related to the import finance, Lee it is preferable to.

Alternatively, the server generates document content including at least one of customer information included in the received income financial limit information, reference currency import loan information, list payment credit information, deadline credit information, foreign exchange import loan information; Customer information included in the income financial limit information, reference currency import loan information, list listing credits, to the image contents captured by the document contents (for example, image contents generated by capturing the document contents in a memory); A document including image information including at least one or more of information, term credit information, and foreign currency loan loan information by a watermarking method, and including the watermarking image content and the imported financial limit information Files (e.g., Portable Document Format (PDF) files, or Electronic Data Intercha) nge) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby importing finance for managing a certain credit limit relating to the import finance and managing a plurality of limits. It is desirable to process the limit agreement electronic documents.

Those skilled in the art to which the present invention belongs, the technical features that the server generates an import financial limit agreement application electronic document in the image file format and / or a predetermined document file format, and the import financial limit agreement application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated income finance limit agreement application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 860 and an electronic document D / B 885 associated with a server on the import financial limit information registration system through predetermined communication means. If the server is provided externally, the server transmits the generated financial limit agreement application electronic document to the electronic document server 860 through the communication means to store in the electronic document D / B 885. desirable.

Or, if the electronic document storage is provided on a DBMS provided in the import financial limit information registration system, the server is provided with the DBMS provided in the import financial limit information registration system the imported financial limit agreement application electronic document; It is possible to store in the electronic document D / B 885 corresponding to the electronic document storage of the prize, and the present invention is not limited thereby.

According to an embodiment of the present invention, the storing of the import financial limit agreement application electronic document in the electronic document repository may be performed by linking the generated import financial limit agreement application electronic document with predetermined electronic document management information as shown in FIG. 8. It is preferable to include storing in the electronic document D / B 885 shown in the.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the imported financial limit agreement application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the import financial limit agreement application electronic document.

In addition, the electronic document management information includes predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the imported financial limit information and / or financial institution information transmitting the imported financial limit agreement electronic document). And / or the electronic document file format information, and / or the import financial limit information and the like).

If the import financial limit agreement application electronic document is stored in the electronic document storage (1360c), the server includes the customer information included in the import financial limit information, reference currency import loan information, list payment credit information, and due date credit card. Information and the foreign currency import loan information, which are stored in a predetermined storage medium 1005 (1365c), and predetermined information registration history information (e.g., the import financial limit agreement electronic document is stored in the electronic document repository). Details, and / or details of storing the import financial limit information in the storage medium 1005) (or extracted), and transmits them to the terminal (1370c).

According to one embodiment of the present invention, the storage medium 1005 is preferably provided in a DBMS on a financial system provided on the import financial limit information registration system (or linked with the import financial limit information registration system). In this case, the storage medium 1005 may be a ledger D / B 1000 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1000. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1005 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the income financial limit information registration system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

According to the present invention, by providing integrated management of the limits for various credit arrangements, such as the base currency import loans, list payment credits, term loans, foreign exchange import loans, etc., for import finance, services to enable more convenient credit management for importers There is an advantage to provide.

In addition, by providing a consolidated limit on imported finance, unused limit allowances are lower in financial institutions that have a loan agreement, compared to conventional methods (for example, a separate limit for each loan agreement). It has the advantage of smooth operation.

Claims (4)

Receiving, by the information receiving means, the import currency limit information including at least one of the base currency import loan limit information, the list of credit limit information, the term credit limit information, and the foreign currency import loan limit information for the import financial transaction customer; Representative limit of any one of the received base currency import fund loan limit information, list payment credit limit information, time limit credit limit information, foreign exchange import loan limit information received by the representative limit setting means; Setting to information; And And storing the set representative limit information in an information storage means in association with the import financial limit information and storing the representative limit information in a storage medium. When a financial institution or a credit rating agency requests a credit inquiry for a customer whose representative limit is set for the import financial transaction, the method further includes providing a representative limit for the customer. . delete delete delete

Images