KR101223477B1 - Method for Providing Loan Service with Blog(or Web-Site) Manager and Recording Medium - Google Patents

Abstract

The present invention relates to a loan service providing method for a blog (or website) operator and a recording medium therefor, and a method for providing a loan service to a blog (or website) operator according to the present invention includes the blog ( Or a website) operator requests a loan, checks the average advertising revenue generated over a period of time through the blog (or website) operated by the blog (or website) operator, and checks the average advertisement generated over the identified time period. Checking the loanable amount based on the revenue; checking whether the checked loanable amount exceeds the loan request amount of the blog (or website) operator; if not, the blog (or web) Site) lending the loan request amount of the operator.

Loan, blog

Description

Method for Providing Loan Service to Blog (or Website) Operators and Recording Media for It {Method for Providing Loan Service with Blog (or Web-Site) Manager and Recording Medium}

1 is a diagram illustrating a face-to-face account registration system for registering a blog (or website) dedicated account according to an embodiment of the present invention.

2 is a view showing the configuration of the account registration request information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for registering a blog (or website) dedicated account according to an embodiment of the present invention.

3 is a diagram illustrating account registration request information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention. One drawing.

4 is a view showing the configuration of the account registration request information stored in the DBMS provided in the banking server in a face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention.

5A and 5B illustrate a process of registering account registration request information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of registering account registration request information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering account registration request 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 account registration system for registering a blog (or website) dedicated account according to another embodiment of the present invention.

9 is a view showing the configuration of the account registration request information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to register a blog (or website) dedicated account according to an embodiment of the present invention.

FIG. 10 is a view illustrating the configuration of account registration request information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention. Figure is shown.

FIG. 11 is a diagram illustrating the configuration of account registration request information stored in a DBMS provided in a banking server in a non-face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention.

12A and 12B illustrate a process of registering account registration request information in a non-face-to-face manner for registering a blog (or website) dedicated account according to an embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of registering account registration request information through a non-face-to-face financial transaction channel for blog (or website) dedicated account registration according to one embodiment of the present invention.

14 is a diagram illustrating a face-to-face loan processing system for providing a loan service to a blog (or website) operator according to an embodiment of the present invention.

15A and 15B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a face-to-face manner according to one embodiment of the present invention.

16A and 16B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a face-to-face manner according to another exemplary embodiment of the present invention.

17A and 17B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a face-to-face manner according to another exemplary embodiment of the present invention. .

18 is a diagram illustrating a non-face-to-face loan processing system for providing a loan service to a blog (or website) operator according to another embodiment of the present invention.

19A and 19B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a non-face to face manner according to one embodiment of the present invention.

20A, 20B, and 20C illustrate a blog (or website) based loan account opening process for providing a loan service to a blog (or website) operator according to an embodiment of the present invention.

<Description of main parts of drawing>

100: account 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: information storage unit 145: storage medium

150: electronic document server 155: electronic document receiving unit

160: information generating unit 165: electronic document storage unit

170: electronic document D / B 175: teller terminal

180: information registration terminal

When the blog (or website) operator requests a loan, the present invention checks the average advertising revenue generated over a period of time through the blog (or website) operated by the blog (or website) operator, and the confirmed schedule. Checking the loanable amount based on the average advertising revenue generated during the period; and checking whether the checked loanable amount exceeds the loan request amount of the blog (or website) operator; In addition, the present invention relates to a loan service providing method for a blog (or website) operator including the step of lending a loan request amount of the blog (or website) operator.

In general, people are provided with various services using blogs (or websites), and these blogs (or websites) are not completely private spaces but are shared spaces with many people.

Due to these characteristics, various advertisers advertise on the blog (or website), and due to the characteristics of the blog (or website), which are specialized in a specific field, there is an advantage that the actual advertisement service can be provided.

In addition, if the operator of such a blog (or website) needs a small loan rather than a direct large loan, he / she wants to secure a loan as collateral for the advertising revenue from running the blog (or website). There is a difficult problem of identifying revenue.

An object of the present invention for solving the above problems is, when a blog (or website) operator requests a loan, the average advertisement generated over a period of time through a blog (or website) operated by the blog (or website) operator Checking a profit and checking a loanable amount based on the identified average advertising revenue generated over a period of time, and whether the checked loanable amount exceeds the loan request amount of the blog (or website) operator; Check and, if not exceeding, provides a loan service providing method for the blog (or website) operator comprising the step of lending the loan request amount of the blog (or website) operator.

In the loan service providing method for a blog (or website) operator according to the present invention, when the blog (or website) operator requests a loan, the blog (or website) operated by the blog (or website) operator Confirming the average advertising revenue generated over a period of time, and checking the loanable amount based on the identified average advertising revenue generated over a period of time, and the confirmed loanable amount is determined by the blog (or website) operator. Check whether the loan request amount exceeds, and if it does not exceed, characterized in that it comprises the step of lending the loan request amount of the blog (or website) operator.

In the loan service providing method for a blog (or website) operator according to the present invention, the step of checking the loanable amount based on the confirmed average advertising revenue generated for a predetermined period of time, the blog (or website) View one or more visitors, ad serving, ad click rate, average cost per click, and weight one or more of the number of visitors, ad serving, ad click rate, average cost per click for the identified blog (or website) (Or inverse weight) and identifying a loanable amount including the same; further comprising.

Loan service providing method for a blog (or website) operator according to the present invention, periodically (or real-time) to check the information changes information on the blog (or website) operated by the blog (or website) operator And changing the loan interest reflecting the information change information on the confirmed blog (or website), wherein the change information includes the number of visitors to the blog (or website). And at least one of information, advertisement number information, advertisement click rate information, and average advertisement price information.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the loan service providing method for the above-mentioned blog (or website) operator recorded.

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 that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This 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 face-to-face account registration system for registering a blog (or website) dedicated account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an account registration in which a predetermined customer includes at least one of customer information, blog (or website) information, and blog (or website) account information for registering a blog (or website) dedicated account. When the application is completed and submitted, a predetermined window terminal 175 acquires predetermined image contents corresponding to the account registration application through a predetermined image acquisition device, and sends the account to the account registration system through a predetermined information registration interface. When the account registration request information corresponding to the registration application and the image content obtained from the account registration application are provided, a predetermined account registration request electronic document including the image content is generated and stored in a predetermined electronic document repository. The customer information, blog (or website) information, blog ( Or a website) in which the dedicated account information is cooperatively processed and stored in a predetermined storage medium 145. Specifically, the electronic document repository is connected to the account registration system through a predetermined communication means. It is about the implementation method provided in the.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring an account registration system for registering a blog (or website) dedicated account. However, the present invention includes all the implementation methods inferred from the above, 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 this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the account registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 1, the account registration request electronic document corresponding to the account registration application is described as being generated on the server side on the account registration system, but the present invention is limited thereto. Never, the account registration request electronic document may be generated on a terminal side that has acquired image content corresponding to the account registration application through a predetermined image acquisition device (for example, the electronic document generation function provided on the server side may be generated. Provided at the terminal to generate the account registration request electronic document), whereby the present invention is not limited.

Hereinafter, the account registration request information and the image contents corresponding to the account registration application created by the customer are provided through a predetermined information registration interface on the account registration system shown in FIG. 1 to generate a predetermined account registration request electronic document. Components corresponding to at least one or more means and / or functional configurations for storing in the electronic document storage and storing the account registration request information in a predetermined storage medium 145 are referred to as " account registration server 100 " .

Referring to FIG. 1 according to an embodiment of the present invention, the account registration system for registering a blog (or website) dedicated account includes a teller terminal 175 provided at at least one branch (or branch) of a financial institution. Characterized in that it comprises an information registration terminal 180, the information registration terminal 180 is connected to the communication channel and the account registration server 100 provided on the account registration system through a predetermined financial network do.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to register a blog (or website) dedicated account, and (or through a window provided at the financial institution branch branch). A form for filling out at least one information item for registering a predetermined account registration application (e.g., the blog (or website) dedicated account registration for the blog (or website) dedicated account registration) is provided. Document), where the customer is to seal the customer's seal for the legal basis for the account registration application.

Subsequently, when the customer submits the completed account registration application to the teller, the teller scans the account registration application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal 175. Account registration request including at least one image content obtained in response to the account registration application through the customer registration information, blog (or website) information, blog (or website) dedicated account information written in the account registration application; Information is input (or selected), and the counter terminal 175 transmits the image content and the account registration request information to the account registration server 100 provided on the account registration system through the financial network. It is preferable.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the account registration server 100 connected to the window terminal 175 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 175 and the account registration server 100 is an account with the window terminal 175. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the account registration system as described above, an image acquisition device for acquiring image contents corresponding to an account registration application made by the customer, a teller terminal 175 and the teller terminal 175 and the account register used by the employee; The financial network connecting the server 100 performs a function of an information registration interface for registering the account registration request information for the customer to register a blog (or website) dedicated account.

The storage medium 145 provided on the account registration system according to the present invention includes the customer information, blog (or website) information, blog (included in the account registration request information provided from the information registration terminal 180). Or a web site) dedicated account information is stored in a predetermined storage medium 145.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the account registration application, and member information of the customer (eg, the customer By signing up as a financial transaction customer of a financial institution, member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked to the account registration system in response to the customer, It is preferable to comprise at least one or more.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 145 may be 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 method of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The account registration server 100 provided on the account registration system according to the present invention is a generic term for the account registration system-side components connected to the information registration terminal 180 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the account registration server 100 is the window terminal 175 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 to the external world on the financial system, and / or a program provided on the external system on the financial system, Thereby, this invention is not limited.

According to an embodiment of the present invention, the account 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 180 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and provides a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the account registration server 100 through the interface unit 105, the blog is registered. (Or a website) acquire image contents corresponding to the account registration application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 180 to register a dedicated account, and correspond to the account registration application. Generate (or extract) at least one user interface for inputting (or selecting) account registration request information to be sent to the account registration server 100, and generating (or extracting) in connection with the interface unit 105. Interface providing unit 110 for providing the user interface to the information registration terminal 180 and the user interface in the information registration terminal 180 through the user interface. The information receiving unit which receives the account registration request information transmitted from the information registration terminal 180 in connection with the interface unit 105 when the account registration request information corresponding to the previous account registration application is input (or selected) and transmitted. And the interface unit 105 when the information registration terminal 180 acquires and transmits image contents corresponding to the account registration application written by the customer through a predetermined image acquisition device based on the user interface. And an image receiving unit 120 which receives image contents corresponding to the account registration application.

The interface provider 110 connects a predetermined communication channel with the account registration server 100 through the interface registration unit 105, and then the account registration server 100 to the account registration server 100. When requesting a user interface for registering a blog (or website) dedicated account, an image content corresponding to the account registration application prepared by the customer is obtained through a predetermined image acquisition device provided in the information registration terminal 180, Generate at least one user interface for inputting (or selecting) account registration request information corresponding to the account registration application to be transmitted to the account registration server 100 through the financial network, and / or a predetermined database (Not shown) and the generated (or extracted) user interface in conjunction with the interface unit 105 via the financial network. Characterized in that provided in the information registering terminal group 180. The

According to another embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the account registration application written by the customer through a predetermined image acquisition device, and the account registration request information corresponding to the account registration application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the account registration server 100 through the financial network is provided, Generate a user interface for acquiring image content corresponding to the account registration application prepared by the customer, inputting (or selecting) account registration request information corresponding to the account registration application, and transmitting the same to the account registration server 100. Interface providing unit 110 to provide (or extract) to the information registration terminal 180. And mubang be omitted, to which the present invention is not limited.

Then, the information registration terminal 180 inputs (or at least one) account registration request information including at least one of the customer information, blog (or website) information, blog (or website) dedicated account information through the user interface (or And transmits the input (or selected) account registration request information to the account registration server 100 through the financial network. In response, the information receiving unit 115 communicates with the interface unit 105. It is characterized in that for receiving the account registration request information transmitted from the information registration terminal 180 in association.

In addition, the information registration terminal 180 obtains the image content corresponding to the account registration application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the account registration application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image content corresponding to the account registration application written by the customer through a predetermined image acquisition device, and is provided in the information registration terminal 180. In the case of pre-stored in a predetermined storage device (or associated), the information registration terminal 180 corresponds to an account registration application created by the customer among at least one or more image contents stored in the storage device through the user interface. Select image content and transmit the image content to the account registration server 100 through the financial network. In response, the image receiving unit 120 links the interface unit 105 with the image content corresponding to the account registration application. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 180 transmits image content corresponding to the account registration application written by the customer and the account registration request information corresponding to the account registration application through the user interface. In this case, the information receiving unit 115 may receive the image content corresponding to the account registration application and the account registration request information together with the interface unit 105 (for example, the image receiving unit 120 may be received. Integrated into the information receiving unit 115), whereby the present invention is not limited.

Referring to FIG. 1, when the account registration request information transmitted from the information registration terminal 180 is received through the information receiving unit 115, the account registration server 100 receives the account registration request information. Characterized in that it comprises a validity verification unit 125 for confirming whether the validity for blog (or website) dedicated account registration.

According to the method of the present invention, the validity check of the account registration request information is whether at least one ledger information matching the account registration request information is registered in the ledger D / B on the financial system associated with the account registration system; It is preferable to include checking.

For example, the validity confirming unit 125 may include the customer information (customer personal information or member information, etc.) among the information included in the account registration request information in the ledger D / B on the financial system associated with the account registration system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable to include a check whether at least one or more ledger information matching the account registration request information is stored.

Here, when the dedicated account for the blog (or website) is possible only for the real account of the customer name, it is preferable to further include checking whether the name of the person for the blog (or website) dedicated account is the customer. .

Referring to FIG. 1, the account registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and the account through the validity checking unit 125. When the validity of the registration request information is authenticated, the electronic document generation unit 130 for generating a predetermined account registration request electronic document including the received image content, and the generated account registration request electronic document into the account registration system. And an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the.

The electronic document generating unit 130 generates an account registration request electronic document including the image content received from the information registration terminal 180 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generation unit 130 may use the blog as an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is. Web site) It is preferable to process the account registration request electronic document for the registration of the dedicated account.

Alternatively, the electronic document generation unit 130 is included in the account registration request information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. The image file corresponding to the image content including at least one or more of customer information, blog (or website) information, blog (or website) dedicated account information in a watermarking manner, the image file corresponding to the blog (or website). It is preferable to generate an account registration request electronic document for registering a dedicated account.

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 180 through the image receiving unit 120) Generating the Portable Document Format (PDF) file, the Electronic Data Interchange (EDI) file, the word processor file including at least one of HWP / DOC, or the like, or the web document file including the MHT; Web site) It is desirable to generate an account registration request electronic document for the registration of a dedicated account.

Alternatively, the electronic document generation unit 130 is included in the account registration request information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. Generates image content including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information by watermarking, and includes the generated image content. 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, etc., or a web document file including an MHT) By generating, it is preferable to generate an account registration request electronic document for registering the blog (or website) dedicated account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. 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 HWP / DOC, etc.) containing the received account registration request information, or an MHT. By generating a web document file, including), it is preferable to generate an account registration request electronic document for registering the blog (or website) dedicated account.

Alternatively, the electronic document generation unit 130 is included in the account registration request information received through the information receiving unit 115 in the image content received from the information registration terminal 180 through the image receiving unit 120. Generate image content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information by watermarking, and generate the generated image content and the account. A document file including request 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 including an MHT. By creating a document file, etc., it is preferable to generate an account registration request electronic document for registering a blog (or website) dedicated account. .

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

The electronic document transmitting unit 135 transmits and stores the account registration request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the account registration system.

As shown in FIG. 1, the electronic document repository is connected to the account registration server 100 on the account registration system through a predetermined communication means and the electronic document server 150 and the electronic document D / B 170 When provided externally, the electronic document transmission unit 135 to the electronic document server 150 via the communication means the account registration request electronic document generated by the electronic document generation unit 130 It is characterized by the transmission.

Herein, when the electronic document server 150 and the electronic document D / B 170 are provided outside the account registration system, the electronic document server 150 and the electronic document D / B 170 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the account registration system, the electronic document transmission unit 135 is the account generated by the electronic document generation unit 130. It is possible to store the registration request electronic document in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the account registration system, by which the present invention is not limited.

According to the embodiment of the present invention, the electronic document transmission unit 135 is electronic document related information (for example, account registration corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 150 Customer information, and / or financial institution information transmitting the account registration request electronic document, and / or electronic document file format information, and / or the account registration request information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 1, the account registration server 100 registers the blog (or website) dedicated account through the validity checking unit 125 with the account registration request information received through the information receiving unit 115. When the validity is verified, the predetermined storage medium 145 is processed by linking the customer information, blog (or website) information, blog (or website) dedicated account information included in the validity of the account registration request information. Characterized in that the information storage unit 140 to be stored in the.

When the validity of the account registration request information is confirmed by the validity verification unit 125, the information storage unit 140 may include customer information, blog (or website) information, and blog ( Or website) dedicated account information is linked and stored in the storage medium 145, wherein the storage medium 145 is provided in the account registration server 100 or the account registration server 100 When provided on the network associated with the, the information storage unit 140 is linked to the customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information Preferably, the storage medium 145 is processed and stored in the storage medium 145. When the storage medium 145 is provided in a DBMS provided on a financial system, the information storage unit 140 receives the received account registration request information. Include customer information, blogs (or Web site) information, account information private blog (or website) through the FEP system on the financial information provided to step are preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, an electronic document server which receives a predetermined account registration request electronic document from the account registration server 100 provided on the account registration system and stores and manages the predetermined electronic document D / B 170. An electronic document receiving unit 155 for receiving a predetermined account registration request electronic document from the account registration server 100 through a predetermined communication means, and the electronic document D for receiving the received account registration request electronic document. The information generating unit 160 which generates predetermined electronic document management information for storage and management in the / B 170, and the electronic document management information and the account registration request electronic document by linking the predetermined electronic document D / It is characterized by comprising an electronic document storage unit 165 to be stored in B (170).

The electronic document receiving unit 155 may receive an account registration request electronic document in the form of an image file and / or a document file from the account registration server 100 through the communication means.

According to an embodiment of the present invention, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is the image content received by the account registration server 100 from the information registration terminal 180. It is preferable that the image file including the same as it is made.

Alternatively, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is the account registration request to the image content received by the account registration server 100 from the information registration terminal 180. It comprises an image file corresponding to the image content including at least one or more information of the customer information, blog (or website) information, blog (or website) dedicated account information included in the information by watermarking (Watermarking) method It is preferable.

According to another embodiment of the present invention, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is an image that the account registration server 100 received from the information registration terminal 180 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).

Alternatively, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is included in the account registration request information on the image content received by the account registration server 100 from the information registration terminal 180. A predetermined document file (e.g., PDF) containing image content including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in a watermarking method. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is received by the account registration server 100 from the information registration terminal 180. A word processor file including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content and the account registration request information, Or a web document file including the MHT).

Alternatively, the account registration request electronic document received by the electronic document receiving unit 155 through the communication means is included in the account registration request information on the image content received by the account registration server 100 from the information registration terminal 180. Image content including at least one or more of the included customer information, blog (or website) information, blog (or website) dedicated account information by a watermarking method, and predetermined contents including the account registration request information. 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.

The information generating unit 160 is a predetermined electronic document unique number (or unique information) to be assigned to the account registration request electronic document received through the electronic document receiving unit 155, and through the electronic document receiving unit 155 And generating electronic document management information including electronic document storage date and time information including a date and time at which the account registration request electronic document was received (or a date and time at which the account registration request electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the account registration server 100 that transmitted the account registration request electronic document received through the electronic document receiving unit 155, and the account registration request. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the 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 account registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document-related information (e.g., customer information for creating an account registration application corresponding to the image content, and / or financial institution information for transmitting the account registration request electronic document, and / or electronic document file format information, and / or the It is preferable to generate electronic document management information further including account registration request information).

The electronic document storage unit 165 associates the account registration request electronic document received through the electronic document receiving unit 155 with the electronic document management information generated through the information generating unit 160 to process a predetermined electronic document D. / B (170) characterized in that the storage.

According to the exemplary embodiment of the present invention, the account registration request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the account registration server 100 by the information registration terminal 180. It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the account registration request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the image content received by the account registration server 100 from the information registration terminal 180. An image corresponding to the image content including at least one or more of the customer information, blog (or website) information, blog (or website) dedicated account information included in the account registration request information in a watermarking method. It is preferable to include a file.

According to another embodiment of the present invention, the account registration request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the account registration server 100 is the information registration terminal ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including image content received from 180, or Web document file including MHT).

Alternatively, the account registration request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be stored in the image content received by the account registration server 100 from the information registration terminal 180. Predetermined image content including at least one of customer information included in the account registration request information, blog (or website) information, and blog (or website) dedicated account information in a watermarking manner. 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.

According to another embodiment of the present invention, the account registration request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the account registration server 100 is the information registration terminal At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 180 and the account registration request information. Or a web document file including the MHT).

Alternatively, the account registration request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be stored in the image content received by the account registration server 100 from the information registration terminal 180. Image contents and the account registration request including at least one or more of the customer information, blog (or website) information, blog (or website) dedicated account information included in the account registration request information in a watermarking manner. 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).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by linking the electronic document storage unit 165 with the account registration request electronic document is the account registration request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the account registration request electronic document is stored in the account registration request. It is preferable that the financial institution further includes information on the financial institution that transmitted the account registration request electronic document, which has been identified with reference to the account registration server 100 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account registration server 100, the electronic document storage unit 165 processes the electronic document storage request in association with the electronic registration request document. The electronic document management information stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for creating an account registration application corresponding to the image content, and / or the account registration request electronic document). Financial institution information, and / or electronic document file format information, and / or the account registration request information and the like).

2 is a view showing the configuration of the account registration request information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for registering a blog (or website) dedicated account according to an embodiment of the present invention to be.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 145 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. As the configuration of the information on an embodiment of the method for storing the account registration request information including the customer information, blog (or website) information, blog (or website) dedicated account information, the present invention belongs to Those skilled in the art will be able to infer various information construction methods for storing the account registration request information in the ledger D / B 200 by referring to and / or modifying the drawing 2, but the present invention is It includes all the implementation methods inferred, 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. The.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number corresponding to the ledger, a deposit amount, a par value, a pension date, and the number of shares, 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 account registration request information provided through the account registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. (Or website) information, blog (or website) characterized in that it comprises at least one or more account information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the account registration application, and member information of the customer (eg, the customer By signing up as a financial transaction customer of a financial institution, member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked to the account registration system in response to the customer, It is preferable to comprise at least one or more.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

According to another exemplary embodiment of the present invention, the account registration request 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 (for example, 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 the account registration request information stored in the database associated with the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention It is a figure which shows a structure.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 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 this drawing to link the account registration request information to the ledger D / B 200 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 account registration request information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). When it is not easy to change the D / B 200 or the system expansion is not easy due to the characteristics of the financial system), the account registration request information is stored in a predetermined database instead of the ledger D / B 200. , An implementation method of linking and storing the database and the ledger D / B 200 is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, 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, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. The registration request information may further include a CIF number corresponding to the ledger information in the account registration request information in order to be processed in association with the ledger D / B 200.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the account registration application, and member information of the customer (eg, the customer By signing up as a financial transaction customer of a financial institution, member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked to the account registration system in response to the customer, It is preferable to comprise at least one or more.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

4 is a view showing the configuration of the account registration request information stored in the DBMS provided in the banking server in a face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 145 shown in FIG. 1 is provided on an Internet banking system, a tele banking 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, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of configuring information on the account registration request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. Characterized in that.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the account registration application, and member information of the customer (eg, the customer By signing up as a financial transaction customer of a financial institution, member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked to the account registration system in response to the customer, It is preferable to comprise at least one or more.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

5A and 5B illustrate a process of registering account registration request information in a face-to-face manner according to an embodiment of the present invention.

5a and 5b show a terminal terminal 175 in which the information registration terminal 180 on the account registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the account registration server 100 ) Has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, the predetermined customer may register customer information for registering a blog (or website) dedicated account. If you fill out and submit an account registration application form that includes at least one of blog (or website) information and blog (or website) -specific account information, the account is provided through a predetermined image acquisition device at a window terminal 175. Acquires predetermined image contents corresponding to the registration application, and sends the account registration request information corresponding to the account registration application to the account registration system through the predetermined information registration interface; When providing the image content obtained from the account registration application, a predetermined account registration request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the customer information included in the account registration request information. , A method of linking blog (or website) information and blog (or website) dedicated account information to a predetermined storage medium 145 and storing the same in a predetermined storage medium 145. After acquiring predetermined image content corresponding to the account registration application through the obtaining apparatus and transmitting the predetermined image content to the account registration server 100, the account registration request information corresponding to the account registration application is input (or selected) to the account. The implementation method of transmitting to the registration server 100 is shown.

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 account registration request information with the account registration server 100 at the window terminal 175. 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 illustrated in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the account registration application through a predetermined image acquisition device, and / or the account registration application. Although the user interface for inputting (or selecting) the account registration request information corresponding to is illustrated and described as being provided from the account registration server 100, the terminal 175 is provided with a predetermined information registration program, The user interface may not be provided from the account registration server 100, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the account registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, blog (or website) information, and blog (or website) dedicated account information transmitted from the window terminal 175 to the account registration server 100 are referred to as "account registration request information" for convenience.

5A and 5B, a predetermined customer includes at least one of customer information, blog (or website) information, and blog (or website) account information for registering a blog (or website) dedicated account. When the account registration application is completed and submitted, the window terminal 175 shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog corresponding to the account registration application. Or a website) requesting a user interface for registering a dedicated account (500), in response, the server acquires predetermined image contents corresponding to the account registration application written by the customer through a predetermined image obtaining apparatus in the terminal. Generating (or extracting) a user interface for transmission to the server (505), and generating (or extracting) the data through the financial network. The user interface is transmitted to the terminal and output (510).

Thereafter, the terminal acquires image content corresponding to the account registration application through a predetermined image obtaining apparatus based on the user interface (515).

If image content corresponding to the account registration 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 inputs account registration request information including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information corresponding to the account registration application that matches the image content ( Or (i) select and generate (or extract) a user interface for transmission to the server (530), and transmit and output the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface (540). ).

If the account registration request information including at least one or more of the customer information, blog (or website) information and blog (or website) dedicated account information is input (or selected) through the user interface (545), the terminal 550 transmits the input (or selected) account registration request information to the server through the financial network (550).

Thereafter, the server receives and reads the account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the financial network. The validity of the information is checked (555).

According to an embodiment of the present invention, the validity check on the account registration request information includes at least one ledger information matching the account registration request information in the ledger D / B 200 on the financial system associated with the account 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 account registration request information, the customer information (customer information, member information, etc.) of the ledger D / B on the financial system associated with the account registration system. It is preferably made to include matching with the customer ledger stored in 200).

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable to include a check whether the at least one ledger information matching the account registration request information is stored in (200).

Here, when the dedicated account for the blog (or website) is possible only for the real account of the customer name, it is preferable to further include checking whether the name of the person for the blog (or website) dedicated account is the customer. .

If the validity of the account registration request 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 account registration request information. Do not perform.

On the other hand, if the validity of the account registration request information is authenticated (560), the server generates a predetermined account registration request electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server registers an image dedicated to the blog (or website) as an image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is preferable to process the account registration request for the electronic document.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Account for registering a blog (or website) dedicated account with an image file corresponding to image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner. It is desirable to generate a registration request electronic document.

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 180 through the image receiving unit 120. Register a dedicated account for the blog (or website) by generating a file, an electronic data interchange (EDI) 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 account registration request electronic document for the.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generate image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner, and include a predetermined document file (eg, Generating the Portable Document Format (PDF) file, the Electronic Data Interchange (EDI) file, the word processor file including at least one of HWP / DOC, or the like, or the web document file including the MHT; Web site) It is desirable to generate an account registration request electronic document for the registration of a dedicated account.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 180 through the image receiving unit 120 and the account registration request 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 an account registration request electronic document for registering the blog (or website) dedicated account.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generating image contents including at least one or more of website information and blog (or website) -specific account information by watermarking, and including the generated image contents and the account registration request information. Generate 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) Thus, it is preferable to generate an account registration request electronic document for registering the blog (or website) dedicated account.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an account registration request electronic document in an image file format and / or a predetermined document file format, and corresponds to the account registration request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account registration request electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the account registration system through predetermined communication means. When provided, the server preferably transmits the generated account registration request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Or, if the electronic document storage is provided on a DBMS provided in the account registration system, the server is the electronic corresponding to the electronic document storage on the DBMS provided in the account registration request electronic document generated in the account registration system It is possible to store in the document D / B 170, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the account registration request electronic document in the electronic document repository may be performed by linking the generated account registration request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the account registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmitted the account registration request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for creating an account registration application corresponding to the image content, and / or financial institution information for transmitting the account registration request electronic document, and / or Electronic document file format information, and / or the account registration request information).

If the account registration request electronic document is stored in the electronic document archive (580), the server is the customer information, blog (or website) information contained in the account registration request information, blog (or website) dedicated account The information is stored in a predetermined storage medium 145 in a coordinated process (585), and predetermined information registration history information (e.g., details of storing the account registration request electronic document in the electronic document storage, and / or the storage medium). In step 590, the details of storing the account registration request information are generated (or extracted) and transmitted to the terminal (590).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 145 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering account registration request information in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a window terminal 175 in which an information registration terminal 180 on the account registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the account registration server 100 ) Has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, the predetermined customer may register customer information for registering a blog (or website) dedicated account. If you fill out and submit an account registration application form that includes at least one of blog (or website) information and blog (or website) -specific account information, the account is provided through a predetermined image acquisition device at a window terminal 175. Acquires predetermined image contents corresponding to the registration application, and sends the account registration request information corresponding to the account registration application to the account registration system through the predetermined information registration interface; When providing the image content obtained from the account registration application, a predetermined account registration request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the customer information included in the account registration request information. , The blog (or website) information, blog (or website) dedicated account information is processed in connection with the predetermined storage medium 145, the method of implementation, specifically, the account registration in the window terminal 175 After inputting (or selecting) the account registration request information corresponding to the application form and transmitting it to the account registration server 100, a predetermined image content corresponding to the account registration application is obtained through a predetermined image obtaining apparatus and the The implementation method of transmitting to the account 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 account registration request information with the account registration server 100 at the window terminal 175. 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 window terminal 175 acquires predetermined image contents corresponding to the account registration application through a predetermined image acquisition device, and / or the account registration application. Although the user interface for inputting (or selecting) the account registration request information corresponding to is illustrated and described as being provided from the account registration server 100, the terminal 175 is provided with a predetermined information registration program, The user interface may not be provided from the account registration server 100, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the account registration server 100 shown in Figure 1 is referred to as "server" for convenience. The customer information, blog (or website) information, and blog (or website) dedicated account information transmitted from the window terminal 175 to the account registration server 100 are referred to as "account registration request information" for convenience.

6A and 6B, a predetermined customer includes at least one of customer information, blog (or website) information, and blog (or website) account information for registering a blog (or website) dedicated account. When the account registration application is completed and submitted, the window terminal 175 shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog corresponding to the account registration application. Or a website) requesting a user interface for registering a dedicated account (600), in response, the server corresponds to the customer information, blog (or website) information, blog (or website) corresponding to the account registration application created by the customer. A user interface for inputting (or selecting) account registration request information including at least one dedicated account information and transmitting the same to the server; The generated (or extracted) user interface is generated (or extracted) (605) and the generated (or extracted) user interface is transmitted to the terminal through the financial network (610).

Thereafter, the terminal inputs (or selects) account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface (615). ).

If the account registration request information including at least one or more of the customer information, blog (or website) information and blog (or website) dedicated account information is input (or selected) through the user interface (620), the terminal 625 transmits the input (or selected) account registration request information to the server through the financial network (625).

Thereafter, the server receives and reads the account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the financial network. The validity of the information is checked (630).

According to an embodiment of the present invention, the validity check on the account registration request information includes at least one ledger information matching the account registration request information in the ledger D / B 200 on the financial system associated with the account 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 account registration request information, the customer information (customer information, member information, etc.) of the ledger D / B on the financial system associated with the account registration system. It is preferably made to include matching with the customer ledger stored in 200).

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable that the method 200 includes checking whether at least one ledger information matching the account registration request information is stored.

Here, when the dedicated account for the blog (or website) is possible only for the real account of the customer name, it is preferable to further include checking whether the name of the person for the blog (or website) dedicated account is the customer. .

If the validity of the account registration request 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 account registration request information. Do not perform.

On the other hand, if the validity of the account registration request information is authenticated (635), the server obtains the predetermined image content corresponding to the account registration application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image contents corresponding to the account registration application through a predetermined image obtaining apparatus based on the user interface (655).

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

After receiving the account registration request information and the image content from the terminal, the server generates a predetermined account registration request electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server registers an image dedicated to the blog (or website) as an image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is preferable to process the account registration request for the electronic document.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Account for registering a blog (or website) dedicated account with an image file corresponding to image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner. It is desirable to generate a registration request electronic document.

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 180 through the image receiving unit 120. Register a dedicated account for the blog (or website) by generating a file, an electronic data interchange (EDI) 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 account registration request electronic document for the.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generate image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner, and include a predetermined document file (eg, Generating the Portable Document Format (PDF) file, the Electronic Data Interchange (EDI) file, the word processor file including at least one of HWP / DOC, or the like, or the web document file including the MHT; Web site) It is desirable to generate an account registration request electronic document for the registration of a dedicated account.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 180 through the image receiving unit 120 and the account registration request 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 an account registration request electronic document for registering the blog (or website) dedicated account.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generating image contents including at least one or more of website information and blog (or website) -specific account information by watermarking, and including the generated image contents and the account registration request information. Generate 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) Thus, it is preferable to generate an account registration request electronic document for registering the blog (or website) dedicated account.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an account registration request electronic document in an image file format and / or a predetermined document file format, and corresponds to the account registration request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account registration request electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the account registration system through predetermined communication means. When provided, the server preferably transmits the generated account registration request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Or, if the electronic document storage is provided on a DBMS provided in the account registration system, the server is the electronic corresponding to the electronic document storage on the DBMS provided in the account registration request electronic document generated in the account registration system It is possible to store in the document D / B 170, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the account registration request electronic document in the electronic document repository may be performed by linking the generated account registration request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the account registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmitted the account registration request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for creating an account registration application corresponding to the image content, and / or financial institution information for transmitting the account registration request electronic document, and / or Electronic document file format information, and / or the account registration request information).

If the account registration request electronic document is stored in the electronic document repository (680), the server is the customer information, blog (or website) information contained in the account registration request information, blog (or website) dedicated account The information is stored in a predetermined storage medium 145 by linking the information (685), and the predetermined information registration history information (e.g., the history of storing the account registration request electronic document in the electronic document storage, and / or the storage medium). In step 690, the information storing the account registration request information is generated (or extracted) and transmitted to the terminal (690).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 145 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 145 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering account registration request information in a face-to-face manner according to another exemplary embodiment of the present invention.

7a and 7b are more detailed examples of the window terminal 175 in which the information registration terminal 180 on the account registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the account registration server 100 ) Has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, the predetermined customer may register customer information for registering a blog (or website) dedicated account. If you fill out and submit an account registration application form that includes at least one of blog (or website) information and blog (or website) -specific account information, the account is provided through a predetermined image acquisition device at a window terminal 175. Acquires predetermined image contents corresponding to the registration application, and sends the account registration request information corresponding to the account registration application to the account registration system through the predetermined information registration interface; If the image content obtained from the account registration application is provided, a predetermined account registration request electronic document including the image content is generated and stored in a predetermined electronic document repository, and the customer included in the account registration request information. The method of the present invention relates to a method of linking information, blog (or website) information, and blog (or website) dedicated account information to store in a predetermined storage medium 145. Specifically, the counter terminal 175 uses a predetermined method. A method of acquiring predetermined image content corresponding to the account registration application through an image acquisition device, inputting (or selecting) account registration request information corresponding to the account registration application, and transmitting the same to the account registration server 100. It is shown.

Those skilled in the art to which the present invention pertains may register the account registration request information with the account registration server 100 at the window terminal 175 by referring to and / or modifying the drawings 7a and 7b. 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 window terminal 175 acquires predetermined image contents corresponding to the account registration application through a predetermined image acquisition device, and / or the account registration application. Although the user interface for inputting (or selecting) the account registration request information corresponding to is illustrated and described as being provided from the account registration server 100, the terminal 175 is provided with a predetermined information registration program, The user interface may not be provided from the account registration server 100, and thus the present invention is not limited thereto.

7a and 7b, the window terminal 175 shown in FIG. 1 is referred to as a "terminal" for convenience, and the account registration server 100 shown in FIG. 1 is referred to as a "server" for convenience. The customer information, blog (or website) information, and blog (or website) dedicated account information transmitted from the window terminal 175 to the account registration server 100 are referred to as "account registration request information" for convenience.

7A and 7B, a predetermined customer includes at least one of customer information, blog (or website) information, and blog (or website) dedicated account information for registering a blog (or website) dedicated account. When the account registration application is completed and submitted, the window terminal 175 shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog corresponding to the account registration application. Or a website) requesting a user interface for registering a dedicated account (700), in response, the server inputs (or selects) account registration request information corresponding to the account registration application prepared by the customer in the terminal, A user interface for acquiring predetermined image content corresponding to the account registration application and transmitting the same to the server through an image acquisition device A face is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface (715). ).

If the account registration request information including at least one or more of the customer information, blog (or website) information and blog (or website) dedicated account information is input (or selected) through the user interface (720), the terminal In operation 725, the image content corresponding to the account registration application is acquired through a predetermined image acquisition device based on the user interface.

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

Thereafter, the server receives and reads the account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the financial network. The validity of the information is checked (740).

According to an embodiment of the present invention, the validity check of the account registration request information may include at least one or more ledger information matching the account registration request information to the ledger D / B 200 on the financial system associated with the account registration system. It is preferable to include checking whether is registered.

For example, the validity confirming unit 125 may include, among the information included in the account registration request information, the customer information (customer information, member information, etc.) of the ledger D / B on the financial system associated with the account registration system. It is preferably made to include matching with the customer ledger stored in 200).

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable that the method 200 includes checking whether at least one ledger information matching the account registration request information is stored.

Here, when the dedicated account for the blog (or website) is possible only for the real account of the customer name, it is preferable to further include checking whether the name of the person for the blog (or website) dedicated account is the customer. .

If the validity of the account registration request 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 account registration request information. Do not perform.

On the other hand, if the validity of the account registration request information is authenticated (745), the server generates a predetermined account registration request electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server registers an image dedicated to the blog (or website) as an image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is preferable to process the account registration request for the electronic document.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Account for registering a blog (or website) dedicated account with an image file corresponding to image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner. It is desirable to generate a registration request electronic document.

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 180 through the image receiving unit 120. Register a dedicated account for the blog (or website) by generating a file, an electronic data interchange (EDI) 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 account registration request electronic document for the.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generate image content including at least one of website information and blog (or website) dedicated account information in a watermarking manner, and include a predetermined document file (eg, Generating the Portable Document Format (PDF) file, the Electronic Data Interchange (EDI) file, the word processor file including at least one of HWP / DOC, or the like, or the web document file including the MHT; Web site) It is desirable to generate an account registration request electronic document for the registration of a dedicated account.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 180 through the image receiving unit 120 and the account registration request 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 an account registration request electronic document for registering the blog (or website) dedicated account.

Alternatively, the server may include the customer information or the blog (or the account information included in the account registration request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120). Generating image contents including at least one or more of website information and blog (or website) -specific account information by watermarking, and including the generated image contents and the account registration request information. Generate 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) Thus, it is preferable to generate an account registration request electronic document for registering the blog (or website) dedicated account.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an account registration request electronic document in an image file format and / or a predetermined document file format, and corresponds to the account registration request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account registration request electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the account registration system through predetermined communication means. When provided, the server preferably transmits the generated account registration request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Or, if the electronic document storage is provided on a DBMS provided in the account registration system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account registration request electronic document generated in the account registration system; It is possible to store in the document D / B 170, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the account registration request electronic document in the electronic document repository may be performed by linking the generated account registration request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (170).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the account registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmitted the account registration request electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for creating an account registration application corresponding to the image content, and / or financial institution information for transmitting the account registration request electronic document, and / or Electronic document file format information, and / or the account registration request information).

If the account registration request electronic document is stored in the electronic document archive (765), the server is the customer information, blog (or website) information contained in the account registration request information, blog (or website) dedicated account The information is stored in a predetermined storage medium 145 by linking the information (770), predetermined information registration history information (e.g., the details of storing the account registration request electronic document in the electronic document storage, and / or the storage medium). In step 145, the information on the account registration request information is stored and generated (or extracted) and transmitted to the terminal (775).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 145 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face account registration system for registering a blog (or website) dedicated account according to another embodiment of the present invention.

In more detail, Fig. 8 shows a customer's information, blog (or website) information, blog (or website) for a predetermined customer to register a blog (or website) dedicated account with an account registration system through a predetermined information registration interface. (C) providing account registration request information including at least one dedicated account information, the account registration system generates a predetermined account registration request electronic document including the provided account registration request information and stores it in a predetermined electronic document storage; And a system configuration for linking and processing the customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information in a predetermined storage medium 840. Specifically, the electronic document storage is an external system linked with the account registration system through a predetermined communication means. It relates to a method embodiment, which is provided on the.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for configuring an account registration system for registering a blog (or website) dedicated account. However, the present invention includes all the implementation methods inferred from the above, 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 this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the account registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the account registration request electronic document is illustrated as being generated on the server side on the account registration system, but the present invention is not limited thereto. The request electronic document may be generated on the terminal side which inputs (or selects) the account registration request information and transmits it (for example, the electronic device generating function provided on the server side is provided on the terminal side. The present invention is not limited thereto.

Hereinafter, the account registration request information is received from the customer through a predetermined information registration interface on the account registration system shown in FIG. 8, and a predetermined account registration request electronic document is generated and stored in a predetermined electronic document repository. Components corresponding to at least one or more means and / or functional configurations for storing account registration request information in a predetermined storage medium 840 are referred to as " account registration server 800 " for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the account registration system for registering a blog (or website) dedicated account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 870 including at least one of the information registration terminal 870 and the account registration server 800 provided on the account registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer accesses the account registration server 800 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the account registration request information for registering a blog (or website) dedicated account is input (or selected) through at least one user interface provided by the account registration server 800, the client terminal may select a predetermined network means. It is preferable to transmit to the account registration server 800 provided on the account registration system through.

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 (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise as mentioned above.

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 based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the account 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 account 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 any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the account registration server 800, and inputs and / or selects at least one or more information through the user interface to the account registration server 800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the account 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 account registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the account registration server 800. And / or the wireless communication network performs a function of an information registration interface for the customer to register account registration request information for registering the blog (or website) dedicated account.

According to another exemplary embodiment of the present invention, the information registration terminal 870 is an automatic teller machine (ATM), 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 account registration system as described above, when the information registration terminal 870 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the account registration server A financial network connecting 800 performs a function of an information registration interface for the customer to register account registration request information for registering a blog (or website) dedicated account, and / or the information registration terminal 870. ) Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the account registration server 800 is the customer said Performs a function of an information registration interface for registering account registration request information for blog (or website) dedicated account registration, and / or the information registration terminal 870 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the agency, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the account The network connecting the registration server 800 performs a function of an information registration interface for the customer to register the account registration request information for the blog (or website) dedicated account registration.

The storage medium 840 provided on the account registration system according to the present invention includes the customer information, blog (or website) information, and blog (included in the account registration request information provided from the information registration terminal 870). Or a web site) dedicated account information is stored in a predetermined storage medium 840.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the account registration system in response to the customer. It is preferable.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage The medium 840 may be 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 method of the present invention, the storage medium 840 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The account registration server 800 provided on the account registration system according to the present invention is a general term for the account registration system-side components connected to the information registration terminal 870 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 870 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 account 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 870 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the account registration server 800 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to 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, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the account 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 world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the account registration server 800 may 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 account 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 870 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 870 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, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the account 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 870 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 exemplary embodiment of the present invention, when the information registration terminal 870 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 a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, 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 account registration server 800, the interface unit 805 is connected with 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 embodiment of the present invention, when the information registration terminal 870 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 870 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 870 connects a predetermined communication channel with the account registration server 800 through the interface unit 805, the blog is displayed. (Or a website) generating at least one user interface for inputting (or selecting) predetermined account registration request information from the information registration terminal 870 to transmit the account registration server 800 to register a dedicated account ( Or an interface providing unit 810 for providing the generated (or extracted) user interface to the information registration terminal 870 in association with the interface unit 805, and the information registration terminal 870. When the account registration request information is input (or selected) through the user interface and transmitted, the account transmitted from the information registration terminal 870 in association with the interface unit 805. And an information receiving unit 815 for receiving a lock request information, characterized by comprising.

The interface providing unit 810 connects a predetermined communication channel with the account registration server 800 through the interface registration unit 805, and then the account registration server 800. When requesting a user interface for registering a blog (or website) dedicated account, the account registration server 800 inputs (or selects) predetermined account registration request information in the information registration terminal 870 and through the network means. Generate at least one user interface for transmission to a network, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805 via the network means. It is characterized in that provided to the information registration terminal 870.

According to an embodiment of the present invention, when the information registration terminal 870 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 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 870 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is 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 exemplary embodiment of the present invention, when the information registration terminal 870 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 870 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 870 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. .

At least one user interface for inputting (or selecting) predetermined account registration request information to the information registration terminal 870 according to another embodiment of the present invention and transmitting the predetermined account registration request information to the account registration server 800 through the network means. In the case where a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined account registration request information and transmitting the predetermined account registration request information to the account registration server 800 is generated (or extracted). The interface providing unit 810 provided to the information registration terminal 870 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 870 inputs account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface ( Or select), and transmits the input (or selected) account registration request information to the account registration server 800 through the network means, and correspondingly, the information receiving unit 815 is connected to the interface unit 805. It is characterized in that for receiving the account registration request information sent from the information registration terminal 870 in association.

According to an embodiment of the present invention, the information registration terminal 870 includes the account information in the account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information. At least one or more OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the account registration request information in the registration server 800 It is preferable to further transmit to the account registration server 800 through the network means.

According to an exemplary embodiment of the present invention, the information registration terminal 870 includes at least one account registration request information including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information. Encrypt using the above 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 exchange based encryption method, etc.), and / or register the account. Preferably, the electronic signature is attached to the request information and transmitted to the account registration server 800 through the network means. For this purpose, the information registration terminal 870 includes at least one encryption key corresponding to the encryption scheme. And / or have a predetermined public certificate including at least one encryption key, and / or To be provided with a certificate private seal 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 skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the account registration request information and the technical features of attaching a predetermined electronic signature to the account registration request information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the account registration request information received from the information registration terminal 870 is received through the information receiving unit 815, the account registration request information is received. Characterized in that it comprises a validity check unit 820 to check whether the validity for blog (or website) dedicated account registration.

According to an embodiment of the present invention, the account registration request information includes 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 method, the validity confirming unit 820 may convert the encrypted account registration request information into at least one decryption method (eg, a symmetric key based decryption method corresponding to the encryption method), and / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received account registration request information.

Alternatively, when a predetermined electronic signature is attached to the account registration request information, the validity checking unit 820 checks the electronic signature attached to the account registration request information, thereby validating the validity of the received account registration request information. It is desirable to authenticate.

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

When the account registration request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the account registration request information, the validity confirming unit 820 ) Compares and authenticates the password included in the account registration request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received account registration request information.

Alternatively, when the account registration request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the account registration request information, the validity confirming unit 820 may determine the validity of the account registration request information. It is preferable to authenticate the validity of the received account registration request information by comparing and authenticating the received security card information included in the account registration request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the account registration request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the account registration request information, the validity checking unit 820 may determine the account. The validity of the received account registration request information is verified by comparing and authenticating the received OTP code included in the registration request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the method of the present invention, at least one or more ledger information matching the account registration request information is registered in the ledger D / B on the financial system associated with the account registration system. It is preferable to include checking whether there is.

For example, the validity confirming unit 820 may include the customer information (customer personal information, member information, etc.) among the information included in the account registration request information in the ledger D / B on the financial system associated with the account registration system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable to include a check whether at least one or more ledger information matching the account registration request information is stored.

Here, if the blog (or website) dedicated account is only possible to the real account of the customer name, preferably further comprises checking whether the name holder for the blog (or website) dedicated account is the customer. .

Referring to FIG. 8, when the validity of the account registration request information is authenticated through the validity verification unit 820, the account registration server 800 includes a predetermined account registration request including the received account registration request information. And an electronic document transmitter 830 for generating an electronic document, and an electronic document transmitter 830 for transmitting the generated account registration request electronic document to an electronic document repository associated with the account registration system. do.

The electronic document generator 825 may generate an account registration request electronic document including the account registration request information received from the information registration terminal 870 through the information receiver 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, blog (or website) information, blog (or web) included in the account registration request information received through the information receiver 815. A document content including at least one or more dedicated account information is generated, and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content is generated. Or a word processor file including at least one or a web document file including an MHT) as an account registration request electronic document for registering a blog (or website) dedicated account.

Alternatively, the electronic document generator 825 may include at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received through the information receiver 815. Generate document content including one or more, and watermark at least one or more of the customer information, blog (or website) information, blog (or website) dedicated account information included in the account registration request information in the document content At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. An account registration request e-mail for registering a blog (or web site) dedicated account) It is preferred to process with.

Alternatively, the electronic document generator 825 may include at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received through the information receiver 815. The blog (or the website) generates an image file including one or more document contents, and includes image content (eg, image content generated by capturing the document content on a memory). ) It is preferable to process the electronic document for requesting account registration for the registration of a dedicated account.

Alternatively, the electronic document generator 825 may include at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received through the information receiver 815. Customer information and blogs included in the account registration request information are generated in the document content including at least one document content, and the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. (Or website) information or blog (or website) account information (at least one or more) of the information included in the watermarking (Watermarking) method, and then the image file containing the image content including the watermarking blog (or Web site) It is preferable to process the account registration request electronic document for the registration of the dedicated account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, blog (or website) information, blog (or information) included in the account registration request information received through the information receiving unit 815. A predetermined amount of document content including at least one web site-specific account information and including image content (e.g., image content generated by capturing the document content on a memory). By generating 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) In addition, it is preferable to process the account registration request electronic document for registering a blog (or website) dedicated account.

Alternatively, the electronic document generator 825 may include at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received through the information receiver 815. Customer information and blogs included in the account registration request information are generated in the document content including at least one document content, and the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. (Or a website) information, blog (or website) account information for generating at least one or more information including a watermarking method of at least one information, and a document file including the image content including the watermarking (watermarking) method (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one or more including HWP / DOC). By generating a word processor file, or a web document file including the MHT), it is preferable to process the account registration request electronic document for the blog (or website) dedicated account registration.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, blog (or website) information, blog included in the account registration request information received through the information receiving unit 815. (Or a website) generating document content including at least one or more dedicated account information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the account. A predetermined document file including registration request 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 an MHT. By generating a web document file, etc.), it is preferable to process the account registration request electronic document for registering the blog (or website) dedicated account. .

Alternatively, the electronic document generator 825 may include at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received through the information receiver 815. Customer information and blogs included in the account registration request information are generated in the document content including at least one document content, and the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. (Or website) information, blog (or website) account information for generating at least one or more of the information (dedicated to the website) including a watermarking (Watermarking) method, generating the image content including the watermarking and the account registration request Document files containing information (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) By generating a word processor file containing at least one, or a web document file including the MHT, etc.), it is preferable to process the account registration request electronic document for the blog (or website) dedicated account registration.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 825, the technical features of generating an account registration request electronic document of the image file format and / or a predetermined document file format, and the account Since the technical features of the file format for the image file and / or the document file corresponding to the registration request electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 is characterized in that for transmitting and storing the account registration request electronic document generated by the electronic document generation unit 825 to a predetermined electronic document storage associated with the account registration system.

As shown in FIG. 8, the electronic document repository is connected to the account registration server 800 on the account registration system with a predetermined electronic document server 845 and an electronic document D / B 865 connected through predetermined communication means. When provided externally, the electronic document transmission unit 830 to the electronic document server 845 via the communication means the account registration request electronic document generated by the electronic document generation unit 825 Characterized in that the transmission.

Herein, when the electronic document server 845 and the electronic document D / B 865 are provided outside the account registration system, the electronic document server 845 and the electronic document D / B 865 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the account registration system, the electronic document transmission unit 830 is the account generated by the electronic document generation unit 825 It is possible to store the registration request electronic document in the electronic document D / B 865 corresponding to the electronic document storage on the DBMS provided in the account registration system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 may input electronic document related information (eg, the account registration request information) for generating predetermined electronic document management information in the electronic document server 845 ( The customer information, and / or financial institution information for transmitting the account registration request electronic document, and / or electronic document file format information, and / or the account registration request information). It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 8, the account registration server 800 registers the blog (or website) dedicated account with the account registration request information received through the information receiving unit 815 through the validity checking unit 820. If the validity is verified, the predetermined storage medium 840 by linking the customer information, blog (or website) information, blog (or website) dedicated account information included in the account registration request information is validated And an information storage unit 835 stored in the storage unit.

When the validity of the account registration request information is confirmed by the validity verification unit 820, the information storage unit 835 may include customer information, blog (or website) information, blog ( Or a web site) dedicated account information is stored in the storage medium 840, and the storage medium 840 is provided in the account registration server 800 or the account registration server 800. When provided on the network associated with the, the information storage unit 835 links the customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information Preferably, the storage medium 840 is processed and stored in the storage medium 840. When the storage medium 840 is provided in a DBMS provided on a financial system, the information storage unit 835 receives the received account registration request information. Include customer information, blogs (or Web site) information, account information private blog (or website) through the FEP system on the financial information provided to step are preferably stored in a DBMS provided on the financial system.

Referring to FIG. 8, an electronic document that receives a predetermined account registration request electronic document from the account registration server 800 provided on the account registration system and stores and manages the electronic document D / B 865 in a predetermined electronic document D / B 865. The server 845 may include an electronic document receiving unit 850 for receiving a predetermined account registration request electronic document from the account registration server 800 through a predetermined communication means, and the electronic document reception request electronic document. An information generation unit 855 for generating predetermined electronic document management information for storage and management in the D / B 865; and a predetermined electronic document D by linking the electronic document management information with the account registration request electronic document. And an electronic document storage unit 860 for storing in / B 865.

The electronic document receiving unit 850 may receive an account registration request electronic document in the form of an image file and / or a document file from the account registration server 800 through the communication means.

According to the exemplary embodiment of the present invention, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is registered by the account registration server 800 from the information registration terminal 870. A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the request information, 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).

Alternatively, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is customer information included in the account registration request information received by the account registration server 800 from the information registration terminal 870. , Document information including at least one blog (or website) information, blog (or website) -specific account information, customer information included in the account registration request information, blog (or website) information, blog (or web) After the at least one or more information of the dedicated account information is included in a watermarking method, a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic Data) file containing document content including the watermarking) is included. 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 account registration request electronic document received by the electronic document receiving unit 850 through the communication means is customer information included in the account registration request information received by the account registration server 800 from the information registration terminal 870. Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of blog (or website) information and blog (or website) -specific account information. It is preferable to include an image file including.

Alternatively, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is customer information included in the account registration request information received by the account registration server 800 from the information registration terminal 870. Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of blog (or website) information and blog (or website) -specific account information. The watermarking method includes at least one of customer information, blog (or website) information, and blog (or website) account information included in the account registration request information in a watermarking manner. It is preferable to include an image file containing the image content.

According to another embodiment of the present invention, the account registration request electronic document that the electronic document receiving unit 850 receives through the communication means is an account received by the account registration server 800 from the information registration terminal 870 Image content that captures document content including at least one of customer information included in the registration request information, blog (or website) information, and blog (or website) dedicated account information (eg, the document content is stored in memory. 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.) including image content captured and generated on the Or a web document file including the MHT).

Alternatively, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is customer information included in the account registration request information received by the account registration server 800 from the information registration terminal 870. Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of blog (or website) information and blog (or website) -specific account information. Generating image content including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information in a watermarking manner; A document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data I) file containing the image content including the watermarking). nterchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is received by the account registration server 800 from the information registration terminal 870. Image content (eg, the document content) which captures document content including at least one of customer information included in the account registration request information, blog (or website) information, and blog (or website) -specific account information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content captured and generated on a memory and the account registration request information. Or a web document file including the MHT).

Alternatively, the account registration request electronic document received by the electronic document receiving unit 850 through the communication means is customer information included in the account registration request information received by the account registration server 800 from the information registration terminal 870. Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of blog (or website) information and blog (or website) -specific account information. Generating image content including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information in a watermarking manner; A document file (eg, Portable Document Format (PDF)) containing the image content including the watermarking and the account registration request information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 855 is a predetermined electronic document unique number (or unique information) to be assigned to the account registration request electronic document received through the electronic document receiving unit 850, and through the electronic document receiving unit 850 And generating electronic document management information including electronic document storage date and time information including a date and time at which the account registration request electronic document was received (or a date and time at which the account registration request electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 855 refers to the account registration server 800 which has transmitted the account registration request electronic document received through the electronic document receiving unit 850 and the account registration request. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the 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 account registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the account registration request information, and / or financial institution information transmitting the account registration request electronic document, and / or electronic document file format information, and /) Or account registration request information, etc.) is preferably generated.

The electronic document storage unit 860 processes the electronic document management information generated through the information registration unit 855 and the account registration request electronic document received through the electronic document receiving unit 850 in a predetermined electronic document D. / B 865, characterized in that.

According to the exemplary embodiment of the present invention, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is performed by the account registration server 800 at the information registration terminal 870. A document file (eg, PDF (Portable) including document content including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received from Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

Alternatively, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is an account registration request received by the account registration server 800 from the information registration terminal 870. Customer information, blog (or website) included in the account registration request information in document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the information. Document information (eg, Portable Document Format (PDF) including document content including the watermarking after including at least one or more information of the information, blog (or website) dedicated account information by watermarking (Watermarking) method 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 MHT). It is to be preferred.

Alternatively, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is an account registration request received by the account registration server 800 from the information registration terminal 870. Image content that captures document content including at least one or more of customer information, blog (or website) information, and blog (or website) account information included in the information. And an image file containing the generated image content).

Alternatively, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is an account registration request received by the account registration server 800 from the information registration terminal 870. Image content that captures document content including at least one or more of customer information, blog (or website) information, and blog (or website) account information included in the information. Image content generated by using the watermarking method including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. Preferably, the image file includes an image file including the image content including the watermarking.

According to another embodiment of the present invention, the account registration request electronic document that the electronic document storage unit 860 stores in the electronic document D / B (865) is the account registration server 800 is the information registration terminal ( Image content (e.g., captured) document content including at least one or more of customer information, blog (or website) information, and blog (or website) account information included in the account registration request information received from 870 (e.g., At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) 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 account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is an account registration request received by the account registration server 800 from the information registration terminal 870. Image content that captures document content including at least one or more of customer information, blog (or website) information, and blog (or website) account information included in the information. Image content generated by using the watermarking method including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. Generating an image content, and including a document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Dat) file including the image content including the watermarking). a Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is the account registration server 800 is the information registration terminal Image content that captures document content including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information received from 870 ( 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 by capturing the document content on a memory and the account registration request information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the account registration request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be an account registration received by the account registration server 800 from the information registration terminal 870. Image content capturing document content including at least one of customer information included in the request information, blog (or website) information, and blog (or website) -specific account information (eg, the document content is stored on the memory). Image content generated by capturing at least one of customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information in a watermarking manner. Generating an image content, and a document file (for example, PDF (Portable Document Form) including the watermarking-containing image content and the account registration request information. at) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or the like, or a 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 865 by the electronic document storage unit 860 in association with the account registration request electronic document is stored in the electronic device. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the account registration request electronic document is the account registration request. It is preferable that the financial institution further includes information on the financial institution that has transmitted the electronic registration request electronic document, which has been identified with reference to the account registration server 800 that has transmitted the electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the account registration server 800, the electronic document storage unit 860 processes the connection with the account registration request electronic document and the The electronic document management information stored in the electronic document D / B 865 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the account registration request information, and / or the account registration request). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the account registration request information, etc.).

Figure 9 illustrates the configuration of the account registration request information stored in the ledger D / B (900) provided in the DBMS on the financial system in a non-face-to-face manner for registering a blog (or website) dedicated account according to an embodiment of the present invention Drawing.

In more detail, in FIG. 9, when the storage medium 840 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 an information structure for an embodiment of the present invention, the account registration request information including the customer information, blog (or website) information, and blog (or website) dedicated account information is stored. Those skilled in the art will be able to infer various information construction methods for storing the account registration request information in the ledger D / B 900 by referring to and / or modifying the drawing of FIG. 9. It includes all the implementation methods inferred 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. The.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or 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 account registration request information provided through the account registration system illustrated in FIG. 8 may be stored in the form of additional information added to the account ledger. The account registration request information may include customer information and a blog. (Or website) information, blog (or website) characterized in that it comprises at least one or more account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the account registration system in response to the customer. It is preferable.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

According to another embodiment of the present invention, the account registration request 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 other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

10 is an account registration request stored in a database associated with a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention. It is a figure which shows an information structure.

In more detail, FIG. 10 shows an information structure for an implementation method in which the storage medium 840 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 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 account registration request information to the ledger D / B 900 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.

Particularly, in FIG. 10, when it is not easy to store the account registration request information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of a financial institution). If it is not easy to change the D / B 900, or the system expansion is not easy due to the characteristics of the financial system), the account registration request information is stored in a predetermined database instead of the ledger D / B 900. The implementation method of storing the database and the ledger D / B 900 in a coordinated process 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, 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, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. The registration request information may further include a CIF number corresponding to the ledger information in the account registration request information in order to be linked to the ledger D / B 900.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the account registration system in response to the customer. It is preferable.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

11 is a view showing the configuration of the account registration request information stored in the DBMS provided in the banking server in a non-face-to-face manner for registering a blog (or website) dedicated account according to another embodiment of the present invention.

More specifically, in Figure 11, the storage medium 840 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. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of configuring information on the account registration request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, a predetermined DBMS included in the banking server stores and stores customer information, blog (or website) information, and blog (or website) dedicated account information included in the account registration request information. Characterized in that.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the account registration system in response to the customer. It is preferable.

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The blog (or website) dedicated account information is an account for a financial account for the customer (ie, the operator who operates the blog (or website)) to receive revenue generated when the blog (or website) is operated. It is preferable to include one or more of a number, financial account alias, management branch (or branch).

Here, the blog (or website) dedicated account is a real account in the name of the customer (ie, the name of the blog (or website) operator), or the customer opens and operates the blog (or website) / In order to manage, it is preferable that it is a virtual account which uses as a parent account the real account of the service provider which provides the said blog (or website) service.

12A and 12B illustrate a process of registering account registration request information in a non-face-to-face manner for registering a blog (or website) dedicated account according to an embodiment of the present invention.

12A and 12B show that the information registration terminal 870 on the account registration system shown in FIG. 8 is a client terminal, and the account registration server 800 can be accessed by a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer may register customer information, blog (or website) information, blog (or website) account through the client terminal to register a blog (or website) dedicated account. If the account registration request information including at least one information is provided, the account registration system generates a predetermined account registration request electronic document including the provided account registration request information, and stores it in a predetermined electronic document storage, and stores the account. Only the customer information, blog (or website) information, blog (or website) included in the registration request information. The present invention relates to a method of linking and storing account information in a predetermined storage medium 840. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b. Various implementation methods of registering the account registration request information from the client terminal to the account registration server 800 may be inferred. However, the present invention includes all the inferred implementation methods, which are illustrated in FIGS. 12A and 12B. It is not limited to the implementation method shown.

For example, in the method shown in FIGS. 12A and 12B, the client terminal inputs (or selects) the account registration request information through a predetermined web page provided by the account 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 account 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 account registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information, blog (or website) information, and blog (or website) dedicated account information transmitted to the account registration server 800 are referred to as "account registration request 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, Connecting to 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, (Or a website) when a web page including a user interface for registering a dedicated account is requested (1200), the server correspondingly the customer information, blog (or website) information, blog (or website) dedicated account A web page including a user interface for inputting (or selecting) account registration request information including at least one information and transmitting the same to the server; Sex (or extract), and 1205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 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 account registration request information registration procedure, and thus the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) account registration request information including at least one or more customer information, blog (or website) information, and blog (or website) dedicated account information through a user interface included in the web page. (1215)

If the terminal receives (or selects) account registration request information including the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface (1220), the terminal The server transmits the input (or selected) customer information, blog (or website) information, and blog (or website) dedicated account information to the server through the communication channel (1225).

According to an embodiment of the present invention, the terminal requests the account registration from the server in account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information. At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like. It is desirable to send to.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, account registration request information including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information. , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. Preferably, an electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a predetermined certificate, and / or the certificate is placed on a predetermined IC chip (or IC card) If bidoen is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, account registration request information including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information. , 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 this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate If equipped with an IC chip (or IC card), check the official certificate provided with the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the account registration request information and the technical features of attaching a predetermined electronic signature to the account registration request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, blog (or website) information, and blog (or website) dedicated account information through the communication channel to check the validity of the account registration request information (1230). .

According to an embodiment of the present invention, the account registration request information includes 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 a key). When encrypted with an exchange-based encryption method, the server may convert the encrypted account registration request information into at least one decryption method (eg, a symmetric key based decryption method and / or a public key based decryption method) corresponding to the encryption method. 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 account registration request information.

Alternatively, when a predetermined electronic signature is attached to the account registration request information, the server verifies the validity of the received account registration request information by checking the electronic signature attached to the account registration request information. .

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

When the account registration request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the account registration request information, the server registers the account. It is preferable to authenticate the validity of the received account registration request information by comparing and authenticating the received password included in the request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the account registration request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the account registration request information, the server may include the account registration request information. It is preferable to verify the validity of the received account registration request 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 account registration request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the account registration request information, the server is included in the account registration request information. It is preferable to authenticate the validity of the received account registration request 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 account registration request information includes at least one ledger information matching the account registration request information in the ledger D / B 900 on the financial system associated with the account registration system. It is preferable to include checking whether it is registered.

For example, the validity checker 820 may be configured to include a ledger D / B on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the account registration request information is linked to the account registration system. It is preferably made to include matching with the customer ledger stored in the 900.

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable that the method 900 includes checking whether at least one ledger information matching the account registration request information is stored.

Here, if the dedicated account for the blog (or website) is possible only for the real account of the customer name, preferably further comprises checking whether the name holder for the blog (or website) dedicated account is the customer. Do.

If the validity of the account registration request information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240) and corresponds to the account registration request information. Do not perform the information registration procedure.

On the other hand, if the validity of the account registration request information is authenticated (1235), the server includes at least one or more customer information, blog (or website) information, blog (or website) dedicated account information including the account registration request information Generates predetermined document content including 1245 and generates a predetermined account registration request electronic document including the document content (1250).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, blog (or website) information, and blog (or website) dedicated account information included in the received account registration request information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. It is preferable to process a web document file, etc.) including an account registration request electronic document for registering a blog (or website) dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. The watermarking method includes at least one of customer information, blog (or website) information, and blog (or website) account information included in the account registration request information in a watermarking manner. 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, etc.) containing the document content, or a web document including the MHT. File), etc., as an account registration request electronic document for registering a blog (or website) dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Processing an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into an account registration request electronic document for registering a blog (or website) dedicated account. It is preferable.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. After including at least one or more information of the dedicated account information (Watermarking) method, the account registration request electronic document for registering a blog (or website) dedicated account to the image file containing the image content including the watermarking It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, blog (or website) information, and blog (or website) dedicated account information included in the received account registration request information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; 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), thereby registering the dedicated account for the blog (or website). It is preferable to process the account registration request electronic document.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. Create image content including at least one or more information of the dedicated account information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, or EDI) containing the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or MHT It is preferable that by creating a file such as a Web document), the processing in the registration request, the electronic document accounts for only registered account the blog (or web site).

According to another embodiment of the present invention, the server includes at least one or more customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information. A predetermined document file (eg, PDF) that generates document content and includes image content (eg, image content generated by capturing the document content on a memory) and the account registration request information. A (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. Web site) It is preferable to process the account registration request electronic document for the registration of the dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. Create image content including at least one or more information of the dedicated account information by a watermarking method, and a document file (eg, PDF (Portable Document) including the watermarking image content and the account registration request information. Word Pro including at least one of a Format file, an EDI file, or an HWP / DOC file. By generating a tax file or a web document file including the MHT, it is preferable to process the account registration request electronic document for registering the blog (or website) dedicated account.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates an account registration request electronic document in an image file format and / or a predetermined document file format, and corresponds to the account registration request electronic document. You will be familiar with the technical features of the file format for the image file and / or document file, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account registration request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 connected to a server on the account registration system through predetermined communication means. When provided, the server preferably transmits the generated account registration request electronic document to the electronic document server 845 through the communication means to store in the electronic document D / B (865).

Or, if the electronic document storage is provided on a DBMS provided in the account registration system, the server is the electronic corresponding to the electronic document storage on the DBMS provided in the account registration request electronic document generated in the account registration system It is possible to store in document D / B 865, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the account registration request electronic document in the electronic document repository may be performed by linking the generated account registration request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 865.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the account registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmitted the account registration request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the account registration request information) and / or financial institution information transmitting the account registration request electronic document, and And / or the electronic document file format information, and / or the account registration request information, etc.).

If the account registration request electronic document is stored in the electronic document storage (1260), the server is the account information, blog (or website) information, blog (or website) dedicated account included in the account registration request information The information is stored in a predetermined storage medium 840 in a coordinated process (1265), and predetermined information registration history information (e.g., details of storing the account registration request electronic document in the electronic document repository, and / or the storage medium). At 840, the details of storing the account registration request information) are generated (or extracted) and transmitted to the terminal (1270).

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 840 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 840 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of registering account registration request information through a non-face-to-face financial transaction channel for blog (or website) dedicated account registration according to one embodiment of the present invention.

13a, 13b, and 13c of the present invention are described in detail when the account registration system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the account registration system shown in FIG. 8). In the case where the account registration server 800 is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits predetermined account registration request information for blog (or website) dedicated account registration to the Internet banking server, the predetermined account including the received account registration request information at the Internet banking server. Generating a registration request electronic document and storing it in a predetermined electronic document storage; the customer information included in the account registration request information; The present invention relates to a method of linking blog (or website) information and blog (or website) dedicated account information to a predetermined storage medium 840, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods for registering the account registration request information through another type of non-face-to-face financial transaction channel by referring to and / or modifying the drawings 13a, 13b, and 13c may be inferred. It includes all the inferred implementation methods, 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 an implementation method of connecting an internet banking-based financial transaction channel for registering account registration request information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client 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 program shown in FIGS. 13A, 13B, and 13C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering account registration request information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

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, While other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, it may be possible to infer an implementation method for linking non-face-to-face channel-based financial transaction channels for account registration request information registration. 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 Figures 13a, 13b and 13c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the account registration server 800 is referred to as "server" for convenience.

Referring to FIGS. 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 terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This 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 the provided browser program.

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 provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) 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 from the terminal to the server for registration of account registration request information. (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 A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registration of account registration request information in the terminal. Attach a predetermined digital signature to information (or data) to be 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 is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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, which includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication is performed. Data is preferably transmitted electronically and / or encrypted over 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. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include 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 through which predetermined account registration request information for registering a blog (or website) dedicated account can be transmitted from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for registering a blog (or website) dedicated account to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly A web page including a user interface for inputting (or selecting) account registration request information including at least one of information, blog (or website) information, and blog (or website) -specific account information to be transmitted to the server. It generates (or extracts) (1305b) and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page inputs (or selects) account registration request information including at least one of customer information, blog (or website) information, and blog (or website) dedicated account information in the terminal. And / or predetermined password and / or security card information (e.g., an Internet banking application) to verify the validity of the Internet banking customer requesting to register the account registration request information. The security card information printed on the security card issued to the customer in the process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) And a user interface for inputting a one-time password generated through an OTP authentication program). Is recommended.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the account registration request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information through the information registration interface (1315b). ).

If the terminal receives (or selects) account registration request information including the customer information, blog (or website) information, and blog (or website) dedicated account information through the user interface (1320b), the terminal In operation 1325b, the account registration request information input (or selected) is transmitted to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal requests the account registration from the server to account registration request information including at least one of the customer information, blog (or website) information, and blog (or website) dedicated account information. At least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like. It is desirable to send to.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, account registration request information including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information. , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. Preferably, an electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a predetermined certificate, and / or the certificate is placed on a predetermined IC chip (or IC card) If bidoen is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, account registration request information including at least one or more of customer information, blog (or website) information, and blog (or website) dedicated account information. , 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 this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate If equipped with an IC chip (or IC card), check the official certificate provided with the IC chip (or IC card) It is preferable that a card reader is provided.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the account registration request information and the technical features of attaching a predetermined electronic signature to the account registration request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the account registration request information through the financial transaction channel to check the validity of the account registration request information (1330b).

According to an embodiment of the present invention, the account registration request information includes 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 a key). When encrypted with an exchange-based encryption method, the server may convert the encrypted account registration request information into at least one decryption method (eg, a symmetric key based decryption method and / or a public key based decryption method) corresponding to the encryption method. 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 account registration request information.

Alternatively, when a predetermined electronic signature is attached to the account registration request information, the server verifies the validity of the received account registration request information by checking the electronic signature attached to the account registration request information. .

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

If the account registration request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the account registration request information, the server is the account; It is preferable to authenticate the validity of the received account registration request information by comparing and authenticating the received password included in the registration request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the account registration request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the account registration request information, the server may include the account registration request information. It is preferable to verify the validity of the received account registration request 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 account registration request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the account registration request information, the server is included in the account registration request information. It is preferable to authenticate the validity of the received account registration request 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 of the account registration request information is at least one or more ledger information matching the account registration request information in the ledger D / B (900) on the financial system associated with the account registration system It is preferable to include checking whether is registered.

For example, the validity checker 820 may be configured to include a ledger D / B on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the account registration request information is linked to the account registration system. It is preferably made to include matching with the customer ledger stored in the 900.

In addition, the validity check of the account registration request information, the information contained in the received account registration request information, the blog (or website) information whether the actual blog (or website) service is provided or not state It is preferable to include checking.

In addition, the validation of the account registration request information, the information contained in the received account registration request information, blog (or website) dedicated account information is ledger D / B on the financial system linked to the account registration system It is preferable that the method 900 includes checking whether at least one ledger information matching the account registration request information is stored.

Here, when the dedicated account for the blog (or website) is possible only for the real account of the customer name, it is preferable to further include checking whether the name of the person for the blog (or website) dedicated account is the customer. .

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

On the other hand, if the validity of the account registration request information is authenticated (1335b), the server at least one or more customer information, blog (or website) information, including the account registration request information, blog (or website) dedicated account information Generates predetermined document content including 1345b, and generates a predetermined account registration request electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, blog (or website) information, and blog (or website) dedicated account information included in the received account registration request information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. It is preferable to process the web document file, including) into an account registration request electronic document for registering the blog (or website) dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. The watermarking method includes at least one of customer information, blog (or website) information, and blog (or website) account information included in the account registration request information in a watermarking manner. 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, etc.) containing the document content, or a web document including the MHT. File), etc., as an account registration request electronic document for registering a blog (or website) dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Processing an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into an account registration request electronic document for registering a blog (or website) dedicated account. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. After including at least one or more information of the dedicated account information (Watermarking) method, the account registration request electronic document for registering a blog (or website) dedicated account to the image file containing the image content including the watermarking It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, blog (or website) information, and blog (or website) dedicated account information included in the received account registration request information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; 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), thereby registering the dedicated account for the blog (or website). It is preferable to process the account registration request electronic document.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. Create image content including at least one or more information of the dedicated account information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file, or EDI) containing the image content including the watermarking. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or MHT It is preferable that by creating a file such as a Web document), the processing in the registration request, the electronic document accounts for only registered account the blog (or web site).

According to another embodiment of the present invention, the server includes at least one or more customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information. A predetermined document file (eg, PDF) that generates document content and includes image content (eg, image content generated by capturing the document content on a memory) and the account registration request information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc. Site) It is preferable to process the electronic document of the account registration request for the registration of the dedicated account.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, blog (or website) dedicated account information included in the received account registration request information, and the document content. Image information (e.g., image content generated by capturing the document content on a memory) in customer information, blog (or website) information, blog (or website) included in the account registration request information. Create image content including at least one or more information of the dedicated account information by a watermarking method, and a document file (eg, PDF (Portable Document) including the watermarking image content and the account registration request information. Word Pro including at least one of a Format file, an EDI file, or an HWP / DOC file. By generating a tax file or a web document file including the MHT, it is preferable to process the account registration request electronic document for registering the blog (or website) dedicated account.

Those skilled in the art to which the present invention pertains include technical features that the server generates an account registration request electronic document in an image file format and / or a predetermined document file format, and the account registration request electronic document. Since the technical features of the file format for the corresponding image file and / or document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account registration request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 connected to a server on the account registration system through predetermined communication means. When provided, the server preferably transmits the generated account registration request electronic document to the electronic document server 845 through the communication means to store in the electronic document D / B (865).

Or, if the electronic document storage is provided on a DBMS provided in the account registration system, the server is the electronic corresponding to the electronic document storage on the DBMS provided in the account registration request electronic document generated in the account registration system It is possible to store in document D / B 865, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the account registration request electronic document in the electronic document repository may be performed by linking the generated account registration request electronic document with predetermined electronic document management information as illustrated in FIG. 8. It is preferable to include storing in the electronic document D / B (865).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the account registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmitted the account registration request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the account registration request information) and / or financial institution information transmitting the account registration request electronic document, and And / or the electronic document file format information, and / or the account registration request information, etc.).

If the account registration request electronic document is stored in the electronic document storage (1360c), the server is the customer information, blog (or website) information contained in the account registration request information, blog (or website) dedicated account The information is stored in a predetermined storage medium 840 in a cooperative process (1365c), and the information registration history information (for example, the history of storing the account registration request electronic document in the electronic document repository, and / or the storage). The record storing the account registration request information on the medium 840) is generated (or extracted) and transmitted to the terminal (1370c).

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the account registration system (or associated with the account registration system), wherein the storage medium 840 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, and the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 840 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

FIG. 14 illustrates a face-to-face loan processing system for providing a loan service to a blog (or website) operator according to an embodiment of the present invention.

In more detail, in FIG. 14, when a predetermined customer prepares a loan application including at least one predetermined customer information, blog (or website) information, and loan application amount information, and submits it to a window provided at a predetermined financial institution, At the financial institution, based on the loan application information corresponding to the loan application, a blog (or website) based loan account for providing a loan service is provided to the blog (or website) operator, and the blog ( Or a website) for storing a loan processing result information for managing a loan account based on a predetermined storage medium 1490, and a person having ordinary knowledge in the art to which the present invention pertains, FIG. A loan processing system to provide loan services to blog (or website) operators by referring to and / or modifying For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

For example, those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 14 to omit a loan processing system configuration that omits the method of storing the loan application electronic document in the electronic document repository. In addition, in the case where the loan application electronic document is stored in the electronic document repository, an implementation method provided in the DBMS in which the electronic document repository is located in the loan processing system, in addition to the implementation method shown in FIG. It may be inferred, but the present invention includes all implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method of generating the loan application electronic document as shown in FIG. 14, the loan application electronic document corresponding to the loan application is described as being generated on the server side on the loan processing system. The present invention is not limited thereto, and the loan application electronic document may be generated at a terminal that acquires image content corresponding to the loan application through a predetermined image acquisition device (eg, provided at the server side). Electronic document generation function is provided on the terminal side to generate the loan application electronic document), thereby the present invention is not limited.

Hereinafter, the customer opens the blog (or website) based loan account in response to the loan application and loan application information created by the customer through a predetermined loan application interface on the loan processing system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined loan application electronic document and storing the electronic document in a predetermined electronic document storage is referred to as a "financial company server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, a loan processing system for providing a loan service for the blog (or website) operator may be provided at a window terminal provided in at least one branch (or branch) of a financial institution. It characterized in that it comprises a terminal device 1495 comprising a, the terminal device 1495 is connected to the communication company and the financial company server 1400 provided on the loan processing system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to provide a loan service for the blog (or website) operator, and a window provided at the financial institution branch branch (branch branch). At least one loan application for providing a loan service to an operator of the blog (or website) through (or through a teller) at least one for providing a loan service to an operator of the blog (or website). A document having a form for filling in the above information item) is prepared, and it is preferable that the customer seals the seal of the customer for the legal basis for the loan application.

Subsequently, when the customer submits the completed loan application to the teller, the teller scans the loan application through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined teller terminal, the loan application. Input (or select) loan application information including at least one or more image contents acquired in correspondence to the loan application, customer information, blog (or website) information, and loan application amount information written in the loan application; The window terminal preferably transmits the image contents and the loan application information to the financial company server 1400 provided on the loan processing system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 1400 connected to the window terminal is on the predetermined financial system (1485) It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 1400 is a step of connecting the communication channel between the teller terminal and the financial company server 1400 It is preferable to comprise a network.

In the loan processing system as described above, an image acquisition device for acquiring image contents corresponding to the loan application prepared by the customer, a bank terminal used by the employee, and a bank terminal connecting the window terminal and the financial company server 1400. The network performs a function of a loan application interface for registering the loan application information for the customer to provide a loan service for the blog (or website) operator.

The storage medium 1490 provided on the loan processing system according to the present invention includes the customer information and blog (or website) information and loan application amount information included in the loan application information provided from the terminal device 1495. Store the loan processing result information including at least one loan information.

The customer information may include personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, blog (or website) operator), and member information (eg Member ID information provided in a customer ledger provided on the financial system 1485 associated with the loan processing system in response to the customer by joining the customer as a financial transaction customer of the financial institution, or CIF (Customer). Information file) or the like).

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The loan application amount information provides a loan service in order to use a loan service based on advertisement revenue generated through the operation of a blog (or a website) (or in response to the loan application information requested by the customer). It is preferable to include a loan application amount requested by the customer (or loaned to the customer).

The loan information is a loan service based on the advertising revenue generated by the customer through the operation of the blog (or website), when providing a corresponding loan service, loan interest rate information corresponding to the loan service provided, loan Period information that provides a basis for providing a service, average advertisement revenue information generated during the period, and specific conditions for the blog (or website) operated by the customer (eg, the number of visitors, the number of advertisements, the cost of the advertisement clicks) It is preferable that the average advertisement price is one or more, and further includes weight (or inverse weight) information for a specific condition for the blog (or website) operated by the customer.

According to one embodiment of the invention, the storage medium 1490 is preferably provided in a DBMS on a financial system 1485 provided on (or associated with) the loan processing system, wherein The storage medium 1490 may be a ledger D / B 1480 provided in a DBMS on the financial system 1485 and / or a predetermined database associated with the ledger D / B 1480. The present invention is not limited.

According to another method of the present invention, the storage medium 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 1400 provided on the loan processing system according to the present invention is a generic term for the loan processing system-side components connected to the terminal device 1495 through a predetermined financial network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, when the terminal device 1495 is a teller terminal connected to a predetermined financial network, the financial institution server 1400 is connected to the teller terminal through a predetermined financial network 1485. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the financial system 1485, and / or a program provided in the external world on the financial system 1485, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 1495 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 1495 is a window terminal connected to a predetermined financial network, the interface unit 1405 may select the window terminal and the predetermined window based on the protocol stack defined in the financial 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 the financial transaction related program provided in the window terminal.

Referring to FIG. 14, when a predetermined terminal device 1495 connects a predetermined communication channel with the financial institution server 1400 through the interface unit 1405, the financial institution server 1400 may use the blog (or the web). Site) obtains the image contents corresponding to the loan application written by the customer through a predetermined image acquisition device provided in the terminal device 1495 to provide a loan service to the operator, the loan application corresponding to the loan application Generate (or extract) at least one user interface for inputting (or selecting) information and transmitting the information to the financial institution server 1400, and generating the generated (or extracted) user interface in conjunction with the interface unit 1405. An interface providing unit 1410 (or interface providing means) provided to the terminal device 1495 and the user interface in the terminal device 1495. An information receiver for receiving (or selecting) loan application information corresponding to the loan application through e-mail and receiving the loan application information transmitted from the terminal device 1495 in cooperation with the interface unit 1405 ( 1415 (or information receiving means) and the terminal unit 1495 acquires and transmits image contents corresponding to the loan application written by the customer through a predetermined image obtaining apparatus based on the user interface, and the interface unit. And an image receiving unit 1420 (or an image receiving unit) for receiving the image contents corresponding to the loan application in connection with the loan application 1405.

The interface provider 1410 connects a predetermined communication channel with the financial institution server 1400 through the interface unit 1405, and then connects the blog (or the blog) to the financial institution server 1400. Requesting a user interface for providing a loan service to an operator for a website), obtains image contents corresponding to the loan application written by the customer through a predetermined image acquisition device provided in the terminal device 1495, and Generate at least one user interface for inputting (or selecting) loan application information corresponding to the loan application to be transmitted to the financial institution server 1400 through the financial network, and / or from a predetermined database (not shown) And extract the generated (or extracted) user interface in conjunction with the interface unit 1405 through the financial network. It is characterized in that provided to the terminal device (1495).

According to another exemplary embodiment of the present invention, the terminal device 1495 acquires image content corresponding to the loan application written by the customer through a predetermined image acquisition device, and inputs loan application information corresponding to the loan application (or If a predetermined information registration program having at least one user interface for transmitting to the financial institution server 1400 through the financial network is provided, the customer through the predetermined image acquisition apparatus as described above Obtaining image content corresponding to the created loan application, generating (or extracting) a user interface for inputting (or selecting) loan application information corresponding to the loan application to the financial institution server 1400, and generating the user interface. The interface providing unit 1410 provided to the 1495 may be omitted. It was not limited.

Thereafter, the terminal device 1495 inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the user interface, and inputs the input ( Or selected) the loan application information is transmitted to the financial institution server 1400 through the financial network, and correspondingly, the information receiving unit 1415 is transmitted from the terminal device 1495 in association with the interface unit 1405. Characterized in that for receiving the loan application information.

In addition, the terminal device 1495 obtains the image content corresponding to the loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained financial information through the financial network through the financial network The image receiving unit 1420 receives the image content corresponding to the loan application in association with the interface unit 1405.

According to another exemplary embodiment of the present invention, the terminal device 1495 acquires image content corresponding to the loan application written by the customer through a predetermined image acquisition device, and is provided (or linked) with the terminal device 1495. The terminal device 1495 selects the image content corresponding to the loan application written by the customer from the one or more image contents previously stored in the storage device through the user interface. The image receiving unit 1420 receives the image content corresponding to the loan application in association with the interface unit 1405. The image receiving unit 1420 is transmitted to the financial company server 1400 through the financial network.

According to another exemplary embodiment of the present invention, when the terminal device 1495 transmits the image content corresponding to the loan application written by the customer and the loan application information corresponding to the loan application through the user interface, The information receiver 1415 may receive image content corresponding to the loan application and loan application information together with the interface unit 1405 (for example, the image receiver 1420 may be transmitted to the information receiver 1415). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 14, when the financial institution server 1400 receives the loan application information transmitted from the terminal device 1495 through the information receiving unit 1415, the received loan application information is displayed in the blog (or Web site) characterized in that it comprises a validity verification unit 1425 (or validity verification means) for checking whether the validity for providing a loan service to the operator.

According to an embodiment of the present invention, the validity check of the loan application information includes at least one ledger information matching the loan application information to the ledger D / B 1480 on the financial system 1485 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information includes the information on the ledger D on the financial system 1485 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is preferable to include checking whether the / B (1480) matches the customer ledger.

In addition, the validity of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1480) on the financial system 1485 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

Referring to FIG. 14, the financial company server 1400 may generate a predetermined period of time through a customer (ie, an operator of a blog (or a website)) who applied for the loan service in response to the loan application information that has been verified. And an information checking unit (or information checking means) for checking the loanable amount based on the average advertisement revenue information.

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertising revenue On the basis of the above, it is preferable to include one or more of the fee amount required for the future debt collection, etc. for the loan application amount requested by the customer, the fee amount for providing the loan service.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

Referring to FIG. 14, the financial company server 1400 receives the image content transmitted from the terminal device 1495 through the image receiving unit 1420, and the loan application information through the validity checking unit 1425. When the validity is verified, the electronic document generating unit 1430 (or electronic document generating means) for generating a predetermined loan application electronic document including the received image content, and the loan application electronic document to the loan And an electronic document transmission unit 1435 (or electronic document transmission means) for transmitting to the electronic document storage associated with the processing system.

The electronic document generation unit 1430 may generate a loan application electronic document including the image content received from the terminal device 1495 through the image receiving unit 1420.

According to the exemplary embodiment of the present invention, the electronic document generating unit 1430 uses the image file including the image content received from the terminal device 1495 through the image receiving unit 1420 as it is, to the blog (or the web). Site) It is desirable to process the loan application electronic document to provide loan service to the operator.

Alternatively, the electronic document generator 1430 may include customer information included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. A loan service to the blog (or website) operator by providing an image file corresponding to the image content including at least one of blog (or website) information and loan application amount information by watermarking. It is desirable to create a loan application electronic document for the project.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1430 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 1495 through the image receiving unit 1420. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc. Site) It is desirable to create a loan application electronic document to provide loan service to the operator.

Alternatively, the electronic document generator 1430 may include customer information included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. Generating image content including at least one of blog (or website) information and loan application amount information by watermarking, and a predetermined document file (eg, PDF) including the generated image content (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc. Site) It is desirable to create a loan application electronic document to provide loan service to the operator.

According to another exemplary embodiment of the present invention, the electronic document generator 1430 receives the image content and the information receiver 1415 received from the terminal device 1495 through the image receiver 1420. 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 HWP / DOC, etc.) including the loan application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a loan application electronic document for providing a loan service to the blog (or website) operator.

Alternatively, the electronic document generator 1430 may include customer information included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. Generating image content including at least one or more of blog (or website) information and loan application amount information by a watermarking method, and a predetermined document including the generated image content and the loan application 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), It is preferable to generate a loan application electronic document for providing a loan service for the blog (or website) operator.

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 1430 generates a loan application electronic document in the image file format and / or a predetermined document file format, and the loan 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.

The electronic document transmission unit 1435 may transmit and store the loan application electronic document generated by the electronic document generation unit 1430 to a predetermined electronic document repository associated with the loan processing system.

As shown in FIG. 14, the electronic document repository stores a predetermined electronic document server 1455 and an electronic document D / B 1475 associated with the financial company server 1400 on the loan processing system through predetermined communication means. Including the externally provided, the electronic document transmission unit 1435 transmits the loan application electronic document generated by the electronic document generation unit 1430 to the electronic document server 1455 through the communication means. It is characterized by.

Here, when the electronic document server 1455 and the electronic document D / B 1475 are provided outside the loan processing system, the electronic document server 1455 and the electronic document D / B 1475 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan processing system, the electronic document transmitting unit 1435 is the loan generated by the electronic document generating unit 1430. It is possible to store the application electronic document in the electronic document D / B 1475 corresponding to the electronic document storage on the DBMS provided in the loan processing system, and the present invention is not limited thereby.

According to the method of the present invention, the electronic document transmission unit 1435 is electronic document related information for generating predetermined electronic document management information in the electronic document server (1455) (for example, loan application corresponding to the image content) And customer information, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan application information, etc.). It is possible, and the invention is not limited thereby.

Referring to FIG. 14, the financial institution server 1400 provides loan service information to the blog (or website) operator through the validity checking unit 1425 through the loan application information received through the information receiving unit 1415. If the validity for the authentication is verified, the loan processing result based on the customer information, blog (or website) information, loan application amount information and the loanable amount information information included in the validity of the loan application information An information generating unit 1440 (or information generating means) for generating information, and an account opening unit 1445 (or account opening means) for opening and processing a financial account under the name of the customer including the loan processing result information. Characterized in that made.

When the validity of the loan application information is confirmed by the validity confirmation unit 1425, the information generation unit 1440 may include customer information, blog (or website) information, and loan application amount information included in the loan application information. And generating the loan processing result information based on the checked loanable amount information.

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

The account opening unit 1445 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 1485 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the loan application information. Or a website) to open a predetermined financial account for the loan service provider for the operator.

When the financial institution server 1400 and the financial system 1485 exist in the same system according to an exemplary embodiment of the present invention, the account opening unit 1445 may be linked with the financial system 1485 in the ledger D / B. It is preferable to generate a predetermined account ledger including the loan processing result information in 1480.

According to another exemplary embodiment of the present invention, when the financial institution server 1400 and the financial system 1485 exist on another system connected through a predetermined communication means, the account opening unit 1445 may use predetermined communication means. It is preferable to request the ledger D / B 1480 on the other financial system 1485 to generate a predetermined ledger including the loan processing result information through the external system on the financial system 1485.

Referring to FIG. 14, the financial institution server 1400 provides loan service information to the blog (or website) operator through the validity checking unit 1425 through the loan application information received through the information receiving unit 1415. When the validity for the authentication is authenticated, the loan processing result information including at least one or more of the customer information and blog (or website) information, loan application amount information, loan information included in the loan application information is validated predetermined And an information storage unit 1450 (or information storage means) stored in the storage medium 1490.

When the validity of the loan application information is confirmed by the validity confirmation unit 1425, the information storage unit 1450 may include the customer information and blog (or website) information included in the loan application information, and the loan application amount. And storing the loan processing result information including at least one of information and loan information in the storage medium 1490.

According to an exemplary embodiment of the present invention, when the storage medium 1490 is provided in the financial company server 1400 or on the network associated with the financial company server 1400, the information storage unit 1450 may be configured to include the storage medium 1490. It is preferable to store the loan processing result information including at least one or more of the customer information, blog (or website) information, loan application amount information, and loan information included in the received loan application information in the storage medium 1490. .

According to another exemplary embodiment of the present invention, when the storage medium 1490 is provided in a DBMS provided on the financial system 1485, the information storage unit 1450 may include the customer included in the received loan application information. Loan processing result information including at least one information, blog (or website) information, loan application amount information, and loan information is provided to the information system through the external system on the financial system 1485 to provide information on the financial system 1485. It is preferable to store in the provided DBMS.

Referring to FIG. 14, an electronic document server that receives a predetermined loan application electronic document from the financial company server 1400 provided on the loan processing system and stores and manages the electronic document D / B 1475 in a predetermined electronic document ( An electronic document receiver 1460 (or an electronic document receiving means) for receiving a predetermined loan application electronic document from the financial institution server 1400 through a predetermined communication means, and the received loan application electronic document. The information generation unit 1465 (or information generating means) for generating predetermined electronic document management information for storage and management in the electronic document D / B 1475 is linked with the electronic document management information and the loan application electronic document. And an electronic document storage unit 1470 (or electronic document storage means) for processing and storing in a predetermined electronic document D / B 1475.

The electronic document receiving unit 1460 may receive a loan application electronic document in the form of an image file and / or a document file from the financial institution server 1400 through the communication means.

According to the exemplary embodiment of the present invention, the loan application electronic document received by the electronic document receiver 1460 through the communication means includes the image content received by the financial institution server 1400 from the terminal device 1495. It is preferable to include an image file as it is.

Alternatively, the loan application electronic document received by the electronic document receiving unit 1460 through the communication means is a customer included in the loan application information in the image content received by the financial institution server 1400 from the terminal device 1495. It is preferable to include an image file corresponding to the image content including at least one or more information of information, blog (or website) information, loan application amount information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 1460 through the communication means includes the image content received by the financial institution server 1400 from the terminal device 1495. A predetermined document file (for example, 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) It is preferable to comprise a.

Alternatively, the loan application electronic document received by the electronic document receiving unit 1460 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 1400 from the terminal device 1495. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) containing image content including at least one of blog (or website) information and loan application amount information in a watermarking manner. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 1460 through the communication means and the image content received by the financial company server 1400 from the terminal device 1495 A predetermined document file including the loan application 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 an MHT. Web document files, etc.).

Alternatively, the loan application electronic document received by the electronic document receiving unit 1460 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 1400 from the terminal device 1495. Image content including at least one of blog (or website) information and loan application amount information by watermarking, and a predetermined document file including the loan application information (for example, PDF (Portable Document Format) ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 1465 is a predetermined electronic document unique number (or unique information) to be assigned to the loan application electronic document received through the electronic document receiving unit 1460, and the loan through the electronic document receiving unit 1460 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the loan application electronic document was stored) when the electronic document was received.

According to an exemplary embodiment of the present invention, the information generating unit 1465 refers to the financial institution server 1400 that has transmitted the loan application electronic document received through the electronic document receiving unit 1460 to read the loan application electronic document. It is preferable to identify the financial institution that has been transmitted and to 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 financial institution server 1400 through the electronic document receiving unit 1460, the information generating unit 1465 may receive the received electronic document. Document-related information (e.g., customer information that has created a loan application corresponding to the image content, and / or financial institution information that transmits the loan application electronic document, and / or electronic document file format information, and / or the loan application information It is preferable to generate the electronic document management information further including).

The electronic document storage unit 1470 associates a loan application electronic document received through the electronic document receiving unit 1460 with electronic document management information generated through the information generating unit 1465 to process a predetermined electronic document D /. It stores in the B (1475).

According to the exemplary embodiment of the present invention, the loan application electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 is received by the financial institution server 1400 from the terminal device 1495. It is preferable to include an image file including one image content as it is.

Alternatively, the loan application electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 may be used for the loan to the image content received by the financial institution server 1400 from the terminal device 1495. It is preferable to include an image file corresponding to the image content including at least one or more information of customer information, blog (or website) information, loan application amount information included in the application information in a watermarking manner.

According to another exemplary embodiment of the present invention, the loan application electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 may be provided by the financial institution server 1400 from the terminal device 1495. 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 HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the loan application electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 may include the loan application in the image content received by the financial institution server 1400 from the terminal device 1495. A predetermined document file (eg, PDF (Portable Document) including image content including at least one or more of customer information, blog (or website) information, and loan application amount information included in the information in a watermarking manner. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the loan request electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 is the financial company server 1400 by the terminal device 1495. A word processor including at least one of a 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 loan application information and the loan application information. File, or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 1475 by the electronic document storage unit 1470 may include the loan application in the image content received by the financial institution server 1400 from the terminal device 1495. Image content including at least one or more of customer information, blog (or website) information, and loan application amount information included in the information by watermarking, and a predetermined document file including the loan application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1475 by the electronic document storage unit 1470 in association with the loan application electronic document is stored in the loan application electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1475 by the electronic document storage unit 1470 in association with the loan application electronic document is the loan application electronic document. Preferably, the financial institution server 1400 may further include information on a financial institution that has transmitted the loan application electronic document, which has been identified with reference to the financial institution server 1400.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 1400, the electronic document storage unit 1470 performs a process of linking with the electronic document of the university of origin. The electronic document management information stored in the document D / B 1475 may include the received electronic document related information (for example, customer information in which a loan application corresponding to the image content is created, and / or the loan application electronic document). Financial institution information, and / or electronic document file format information, and / or the loan application information, etc.).

15A and 15B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a face-to-face manner according to one embodiment of the present invention.

15A and 15B show a terminal terminal 1495 on a loan processing system shown in FIG. 14 provided at a financial institution branch (or a branch), and the financial institution server 1400 is a predetermined financial terminal. In the case of having a ledger server (not shown) function on the financial system 1485 linked with a teller terminal through a network, a predetermined customer may use a blog (or a website) for providing a loan service to a blog (or website) operator. In order to open a website-based loan account, a loan application including at least one of customer information, blog (or website) information, and loan application amount information is completed and submitted, and the financial institution faces the loan application based on the loan application. System for opening and processing a blog (or website) based loan account, specifically, the customer After filling out and submitting to the counter, the counter terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device, transmits the predetermined image content to the financial institution server 1400, and then corresponds to the loan application. When the loan application information is input (or selected) and transmitted to the financial institution server 1400, the financial institution server 1400 includes the at least one customer information, blog (or website) information, and loan application amount information. A method of opening and processing the blog (or website) based loan account based on loan application information is shown.

For those of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the loan application information with the financial company server 1400 at the window terminal by referring to and / or modifying the drawings 15a and 15b are provided. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 15A and 15B.

For example, although the implementation method shown in FIGS. 15A and 15B includes a process of generating a predetermined electronic document corresponding to the loan application and storing it in an electronic document storage, the process may be omitted according to the intention of the person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 15A and 15B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device, and Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 1400, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 1400, and thus the present invention is not limited thereto.

In the following Figures 15a and 15b, the window terminal shown in Figure 14 is referred to as "terminal" for convenience, and the financial institution server 1400 shown in Figure 14 is referred to as "server" for convenience.

Referring to FIGS. 15A and 15B, a predetermined customer includes a loan including at least one of customer information, blog (or website) information, and loan application amount information to provide a loan service to a blog (or website) operator. After completing and submitting the application form, the teller terminal shown in FIG. 14 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog (or website) operator corresponding to the loan application. When requesting a user interface for providing a loan service to a target (1500), in response to the server, the server acquires predetermined image contents corresponding to the loan application written by the customer through a predetermined image acquisition device in the terminal and the server. Create (or extract) a user interface for transmission to a network (1505) and generate the user interface through the financial network. And outputs to the user interface (or extraction) transmitted to the mobile station (1510).

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image obtaining apparatus based on the user interface (1515).

If image content corresponding to the loan application is obtained through the image acquisition device (1520), the terminal transmits the obtained image content to the server through the financial network (1525).

Thereafter, the server inputs (or selects) loan application information including at least one of customer information, blog (or website) information, and loan application amount information corresponding to the loan application matching the image content to the server. A user interface for transmission is generated (or extracted) (1530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1535).

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the user interface (1540).

If loan application information including at least one of the customer information, blog (or website) information, and loan application amount information is input (or selected) through the user interface (1545), the terminal connects through the financial network. The loan application information input (or selected) is transmitted to the server (1550).

Thereafter, the server receives and reads loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the financial network to confirm the validity of the loan application information. (1555).

According to an embodiment of the present invention, the validity check of the loan application information includes at least one ledger information matching the loan application information to the ledger D / B 1480 on the financial system 1485 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information includes the information on the ledger D on the financial system 1485 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is preferable to include checking whether the / B (1480) matches the customer ledger.

In addition, the validity of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1480) on the financial system 1485 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

If the validity of the loan application information is not authenticated (1560), the server generates predetermined financial account error information and transmits it to the terminal (1565), and the blog (or website) corresponding to the loan application information. Do not perform the procedures for opening an underlying loan account.

On the other hand, if the validity of the loan application information is authenticated (1560), the server corresponding to the loan application information is confirmed, the customer who applied for the loan service (that is, the operator of the blog (or website)) Through the check the loanable amount based on the average advertising revenue information generated for a certain period (1566), and checks the loanable amount and the loan application amount requested by the customer (1567).

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertisement It is preferable to include one or more of the fee amount required for the future debt collection, the fee amount for providing the loan service, etc. for the loan request amount requested by the customer based on the profit.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

If the loan application amount requested by the customer does not exceed the loanable amount (1586), the server generates a predetermined loan application electronic document including the image content (1570).

According to an embodiment of the present invention, the server targets the blog (or website) operator as an image file including the image content received from the terminal device 1495 through the image receiving unit 1420 as it is. It is preferable to process the loan application electronic document for the provision of loan service.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. E) a loan application for providing a loan service to the blog (or website) operator an image file corresponding to image content including at least one of information and loan application amount information by a watermarking method. It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 1495 through the image receiving unit 1420. Or 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 desirable to create a loan application electronic document to provide a loan service.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content including at least one of information) and loan application amount information by a watermarking method, and including the generated image content. Or 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 desirable to create a loan application electronic document to provide a loan service.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 1495 through the image receiving unit 1420 and loan application information received through the information receiving unit 1415. A predetermined document file (for example, 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) By generating a, it is preferable to generate a loan application electronic document for providing a loan service for the blog (or website) operator.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. ) An image content including at least one or more information of the loan application amount information by a watermarking method, and a predetermined document file (eg, PDF (including the generated image content and the loan application information). The blog (or the website) by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is advisable to generate a loan application electronic document for the provision of loan services to operators.

Those skilled in the art to which the present invention pertains include technical features that the server generates a loan application electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the loan application electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (1575).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1455 and an electronic document D / B 1475 associated with a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated loan application electronic document to the electronic document server 1455 through the communication means to store in the electronic document D / B (1475).

Or, if the electronic document storage is provided on a DBMS provided in the loan processing system, the server is the electronic document corresponding to the electronic document storage on the DBMS provided in the loan processing electronic document in the loan processing system It is possible to store in the D / B 1475, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 14 by processing the generated loan application electronic document and predetermined electronic document management information Preferably stored in / B 1475.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document repository (1580), the server processes the loan based on customer information, blog (or website) information, loan application amount information included in the loan application information. Generate result information (1585).

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

Thereafter, the server includes the loan processing result information based on the customer information, blog (or website) information, and loan application amount information included in the loan application information in association with the financial system 1485. Open and process financial accounts in the name (1590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 1485 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the loan application information. It is characterized in that the opening of a predetermined financial account for providing a loan service to the blog (or website) operator.

When the server and the financial system 1485 are present in the same system according to an embodiment of the present invention, the server is connected to the financial system 1485 in the ledger D / B 1480 to provide the loan processing result information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 1485 exist on another system connected through a predetermined communication means, the server is connected to the financial system 1485 via a predetermined communication means. It is preferable to request the ledger D / B 1480 on the other financial system 1485 to generate a predetermined account ledger including the loan processing result information through the external system.

Thereafter, the server generates loan processing result information including at least one or more of the customer information and the blog (or website) information, the loan application amount information, and the loan information included in the loan application information, and the predetermined storage medium 1490. ) (1595)

According to an embodiment of the present invention, when the storage medium 1490 is provided in the server or on a network associated with the server, the server includes the customer information and blog included in the received loan application information. (Or the website) It is preferable to store the loan processing result information including at least one or more information, loan application amount information, loan information in the storage medium (1490).

According to another exemplary embodiment of the present invention, when the storage medium 1490 is provided in a DBMS provided on the financial system 1485, the server may include the customer information and the blog (or the information included in the received loan application information). Website) information, loan application amount information, loan processing result information including at least one or more loan information provided to the information system through the external system on the financial system 1485 and stored in the DBMS provided on the financial system 1485 It is desirable to.

Thereafter, the server establishes predetermined financial account opening history information (eg, the blog (or website) -based loan account opening history, and / or details of storing the loan application electronic document in the electronic document repository, and / or the The details of storing the loan application information in the storage medium 1490) are generated (or extracted) and transmitted to the terminal (1599).

According to one embodiment of the invention, the storage medium 1490 is preferably provided in a DBMS on a financial system 1485 provided on (or associated with) the loan processing system, wherein The storage medium 1490 may be a ledger D / B 1480 provided in a DBMS on the financial system 1485 and / or a predetermined database associated with the ledger D / B 1480. The present invention is not limited.

According to another method of the present invention, the storage medium 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

16A and 16B illustrate a blog (or website) based loan account opening process for providing a loan service to a blog (or website) operator in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B are window terminals in which a terminal device 1495 on the loan processing system illustrated in FIG. 14 is provided at a branch of a financial institution (or a branch), and the financial institution server 1400 is provided with a predetermined finance. In the case of having a ledger server (not shown) function on the financial system 1485 linked with a teller terminal through a network, a predetermined customer may use a blog (or a website) for providing a loan service to a blog (or website) operator. In order to open a website-based loan account, a loan application including at least one of customer information, blog (or website) information, and loan application amount information is completed and submitted, and the financial institution faces the loan application based on the loan application. System for opening and processing a blog (or website) based loan account, specifically, the customer After filling out and submitting to the counter, at the counter terminal, the loan application information corresponding to the loan application is input (or selected), transmitted to the financial institution server 1400, and the loan application is made through a predetermined image acquisition device. Acquire a predetermined image content corresponding to the transmission to the financial institution server 1400, the financial institution server 1400 includes at least one or more of the customer information, blog (or website) information, loan application amount information A method of opening and processing the blog (or website) based loan account based on loan application information is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the loan application information to the financial company server 1400 at the teller terminal by referring to and / or modified in the drawings 16a and 16b It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 16A and 16B.

For example, although the implementation method shown in FIGS. 16A and 16B includes a process of generating a predetermined electronic document corresponding to the loan application and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 16A and 16B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image obtaining apparatus. Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 1400, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 1400, and thus the present invention is not limited thereto.

In the following Figures 16a and 16b, the window terminal shown in Figure 14 is referred to as "terminal" for convenience, and the financial institution server 1400 shown in Figure 14 is referred to as "server" for convenience, The customer information, blog (or website) information, and loan application amount information transmitted to the financial institution server 1400 are referred to as "loan application information" for convenience.

Referring to FIGS. 16A and 16B, a customer includes a loan including at least one of customer information, blog (or website) information, and loan application amount information to provide a loan service to a blog (or website) operator. After completing and submitting the application form, the teller terminal shown in FIG. 14 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog (or website) operator corresponding to the loan application. When requesting a user interface for providing a loan service to a target (1600), the server correspondingly at least one of customer information, blog (or website) information, loan application amount information corresponding to the loan application prepared by the customer Create a user interface for inputting (or selecting) loan application information including the above and transmitting the same to the server (or Extraction) and 1605, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (1610).

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the user interface (1615).

If loan application information including at least one of the customer information, blog (or website) information, and loan application amount information is input (or selected) through the user interface (1620), the terminal is connected to the financial network. The loan application information input (or selected) is transmitted to the server (1625).

Thereafter, the server receives and reads loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the financial network to confirm the validity of the loan application information. (1630).

According to an embodiment of the present invention, the validity check of the loan application information includes at least one ledger information matching the loan application information to the ledger D / B 1480 on the financial system 1485 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information includes the information on the ledger D on the financial system 1485 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is preferable to include checking whether the / B (1480) matches the customer ledger.

In addition, the validity of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1480) on the financial system 1485 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

If the validity of the loan application information is not authenticated (1635), the server generates predetermined financial account error information and transmits it to the terminal (1640), and the blog (or website) corresponding to the loan application information. Do not perform the procedures for opening an underlying loan account.

On the other hand, if the validity of the loan application information is authenticated (1635), the server responds to the loan application information that has been validated, the operator of the customer (that is, blog (or website) that applied for the loan service) Check the loanable amount based on the average advertisement revenue information generated for a certain period of time (1641), and compares the checked loanable amount and the loan application amount requested by the customer (1642).

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertising revenue On the basis of the above, it is preferable to include one or more of the fee amount required for the future debt collection, etc. for the loan application amount requested by the customer, the fee amount for providing the loan service.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

If the loan application amount requested by the customer does not exceed the loanable amount (1643), the server acquires predetermined image contents corresponding to the loan application written by the customer through a predetermined image acquisition device in the terminal. A user interface for obtaining and transmitting to the server is generated (or extracted) (1645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1650).

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image obtaining apparatus based on the user interface in operation 1655.

If image content corresponding to the loan application is obtained through the image acquisition device (1660), the terminal transmits the obtained image content to the server through the financial network (1665).

After receiving the loan request information and the image content from the terminal, the server generates a predetermined loan request electronic document including the image content (1670).

According to an embodiment of the present invention, the server targets the blog (or website) operator as an image file including the image content received from the terminal device 1495 through the image receiving unit 1420 as it is. It is preferable to process the loan application electronic document for the provision of loan service.

Alternatively, the server may include customer information, blog (or web) included in the loan request information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. E) a loan application for providing a loan service to an administrator of the blog (or website) an image file corresponding to an image content including at least one or more information of a site) and a loan application amount information by a watermarking method It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 1495 through the image receiving unit 1420. Or 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 desirable to create a loan application electronic document to provide a loan service.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content including at least one of information) and loan application amount information by a watermarking method, and including the generated image content. Or 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 desirable to create a loan application electronic document to provide a loan service.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 1495 through the image receiving unit 1420 and loan application information received through the information receiving unit 1415. A predetermined document file (for example, 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) By generating a, it is preferable to generate a loan application electronic document for providing a loan service for the blog (or website) operator.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. ) An image content including at least one or more information of the loan application amount information by a watermarking method, and a predetermined document file (eg, PDF (including the generated image content and the loan application information). The blog (or the web) by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. Site) It is desirable to create a loan application electronic document to provide loan service to the operator.

Those skilled in the art to which the present invention pertains include technical features that the server generates a loan application electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the loan application electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (1675).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1455 and an electronic document D / B 1475 associated with a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated loan application electronic document to the electronic document server 1455 through the communication means to store in the electronic document D / B (1475).

Or, if the electronic document storage is provided on the DBMS provided in the loan processing system, the server is the electronic document corresponding to the electronic document storage on the DBMS provided in the loan processing electronic document in the loan processing system It is possible to store in the D / B 1475, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 14 by processing the generated loan application electronic document and predetermined electronic document management information Preferably stored in / B 1475.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (1680), the server is the loan processing result based on the customer information, blog (or website) information, loan application amount information included in the loan application information Generate information (1685).

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

Thereafter, the server includes the loan processing result information based on the customer information, blog (or website) information, and loan application amount information included in the loan application information in association with the financial system 1485. Open and process financial accounts in the name (1690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 1485 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the loan application information. It is characterized in that the opening of a predetermined financial account for providing a loan service to the blog (or website) operator.

When the server and the financial system 1485 are present in the same system according to an embodiment of the present invention, the server is connected to the financial system 1485 in the ledger D / B 1480 to provide the loan processing result information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 1485 exist on another system connected through a predetermined communication means, the server is connected to the financial system 1485 via a predetermined communication means. It is preferable to request the ledger D / B 1480 on the other financial system 1485 to generate a predetermined account ledger including the loan processing result information through the external system.

Thereafter, the server generates loan processing result information including at least one or more of the customer information and the blog (or website) information, the loan application amount information, and the loan information included in the loan application information, and the predetermined storage medium 1490. ) (1695)

According to an embodiment of the present invention, when the storage medium 1490 is provided in the server or on a network associated with the server, the server includes the customer information and blog included in the received loan application information. (Or the website) It is preferable to store the loan processing result information including at least one or more information, loan application amount information, loan information in the storage medium (1490).

According to another exemplary embodiment of the present invention, when the storage medium 1490 is provided in a DBMS provided on the financial system 1485, the server may include the customer information and the blog (or the information included in the received loan application information). Website) information, loan application amount information, loan processing result information including at least one or more loan information provided to the information system through the external system on the financial system 1485 and stored in the DBMS provided on the financial system 1485 It is desirable to.

Thereafter, the server establishes predetermined financial account opening history information (eg, the blog (or website) -based loan account opening history, and / or details of storing the loan application electronic document in the electronic document repository, and / or the The details of storing the loan application information in the storage medium 1490) are generated (or extracted) and transmitted to the terminal (1699).

According to one embodiment of the invention, the storage medium 1490 is preferably provided in a DBMS on a financial system 1485 provided on (or associated with) the loan processing system, wherein The storage medium 1490 may be a ledger D / B 1480 provided in a DBMS on the financial system 1485 and / or a predetermined database associated with the ledger D / B 1480. The present invention is not limited.

According to another method of the present invention, the storage medium 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

17A and 17B illustrate a process of opening a blog (or website) based loan account for providing a loan service to a blog (or website) operator in a face-to-face manner according to another exemplary embodiment of the present invention. .

In more detail, FIGS. 17A and 17B are window terminals in which a terminal device 1495 on the loan processing system illustrated in FIG. 14 is provided at a branch of a financial institution (or a branch), and the financial institution server 1400 is a predetermined financial entity. In the case of having a ledger server (not shown) function on the financial system 1485 linked with a teller terminal through a network, a predetermined customer may use a blog (or a website) for providing a loan service to a blog (or website) operator. In order to open a website-based loan account, a loan application including at least one of customer information, blog (or website) information, and loan application amount information is completed and submitted, and the financial institution faces the loan application based on the loan application. System for opening and processing a blog (or website) based loan account, specifically, the customer After filling out and submitting to the window, the window terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device, inputs (or selects) loan application information corresponding to the loan application, and When the image content and the loan application information are transmitted to the financial company server 1400, the financial company server 1400 includes at least one of the customer information, blog (or website) information, and loan application amount information. A method of opening and processing the blog (or website) based loan account based on loan application information is shown.

Those skilled in the art to which the present invention pertains, various methods of registering the loan application information with the financial company server 1400 at the teller terminal by referring to and / or modifying the drawings 17a and 17b It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 17A and 17B.

For example, although the implementation method illustrated in FIGS. 17A and 17B includes a process of generating a predetermined electronic document corresponding to the loan application and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 17A and 17B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 1400, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 1400, and thus the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 14 in FIGS. 17A and 17B will be referred to as a "terminal" for convenience, and the financial company server 1400 shown in FIG. 14 will be referred to as a "server" for convenience. The customer information, blog (or website) information, and loan application amount information transmitted to the financial institution server 1400 are referred to as "loan application information" for convenience.

Referring to FIGS. 17A and 17B, a customer includes a loan including at least one of customer information, blog (or website) information, and loan application amount information to provide a loan service to a blog (or website) operator. After completing and submitting the application form, the teller terminal shown in FIG. 14 connects to the server through a predetermined financial network and connects a predetermined communication channel to a blog (or website) operator corresponding to the loan application. When requesting a user interface for providing a loan service to a target (1700), the server correspondingly inputs (or selects) loan application information corresponding to the loan application written by the customer in the terminal, and obtains a predetermined image obtaining apparatus. A user for acquiring predetermined image content corresponding to the loan application through the server and transmitting the predetermined image content to the server. Generating the interface (or extract), and 1705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (1710).

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the user interface (1715).

If loan application information including at least one of the customer information, blog (or website) information, and loan application amount information is input (or selected) through the user interface (1720), the terminal is based on the user interface. In operation 1725, image content corresponding to the loan application is obtained through a predetermined image obtaining apparatus.

If image content corresponding to the loan application is obtained through the image acquisition device (1730), the terminal transmits the loan application information and image content to the server through the financial network (1735).

Thereafter, the server receives and reads loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the financial network to confirm the validity of the loan application information. (1740).

According to an embodiment of the present invention, the validity check of the loan application information includes at least one ledger information matching the loan application information to the ledger D / B 1480 on the financial system 1485 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information includes the information on the ledger D on the financial system 1485 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is preferable to include checking whether the / B (1480) matches the customer ledger.

In addition, the validity of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1480) on the financial system 1485 associated with the loan processing system It is preferable to include whether or not matching with the above information.

If the validity of the loan application information is not authenticated (1745), the server generates predetermined financial account error information and transmits it to the terminal (1750), and the blog (or website) corresponding to the loan application information. Do not perform the procedures for opening an underlying loan account.

On the other hand, if the validity of the loan application information is authenticated (1745), the server corresponding to the loan application information is confirmed, the customer who applied for the loan service (that is, the operator of the blog (or website)) Through the check the loanable amount based on the average advertising revenue information generated for a certain period (1751), and checks the loanable amount and the loan application amount requested by the customer (1752).

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertising revenue On the basis of the basis, it is preferable to include one or more of the fee amount required for the future debt collection, etc. for the loan request amount requested by the customer, and the fee amount for providing the loan service.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

If the loan application amount requested by the customer does not exceed the loanable amount (1753), the server generates a predetermined loan application electronic document including the image content (1755).

According to an embodiment of the present invention, the server targets the blog (or website) operator as an image file including the image content received from the terminal device 1495 through the image receiving unit 1420 as it is. It is preferable to process the loan application electronic document for the provision of loan service.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. E) a loan application electronic document for providing a loan service to the blog (or website) operator an image file corresponding to an image content including at least one of information and loan application amount information by a watermarking method It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 1495 through the image receiving unit 1420. Or 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 desirable to create a loan application electronic document to provide a loan service.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content including at least one of information) and loan application amount information by a watermarking method, and including the generated image content. Or 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 desirable to create a loan application electronic document to provide a loan service.

According to another exemplary embodiment of the present invention, the server receives the loan request information received through the image receiving unit 1415 and the image content received from the terminal device 1495 through the image receiving unit 1420. 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) ), It is preferable to generate a loan application electronic document for providing a loan service for the blog (or website) operator.

Alternatively, the server may include customer information, a blog (or a website) included in the loan application information received through the information receiver 1415 in the image content received from the terminal device 1495 through the image receiver 1420. ) An image content including at least one or more information of the loan application amount information by a watermarking method, and a predetermined document file (eg, PDF (including the generated image content and the loan application information). The blog (or the website) by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is desirable to create a loan application electronic document to provide loan service to the operator.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a loan application electronic document in an image file format and / or a predetermined document file format, and corresponds to the loan application electronic document. Since you will be familiar with the technical features of the file format for image files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (1760).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1455 and an electronic document D / B 1475 associated with a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated loan application electronic document to the electronic document server 1455 through the communication means to store in the electronic document D / B (1475).

Or, if the electronic document storage is provided on a DBMS provided in the loan processing system, the server is the electronic document corresponding to the electronic document storage on the DBMS provided in the loan processing electronic document in the loan processing system It is possible to store in the D / B 1475, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document shown in FIG. 14 by linking the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in D / B 1475.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (1765), the server is the loan processing result based on the customer information, blog (or website) information, loan application amount information included in the loan application information Generate information (1770).

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

Thereafter, the server includes the loan processing result information based on the customer information, blog (or website) information, and loan application amount information included in the loan application information in association with the financial system 1485. Open and process financial accounts under the title (1775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 1485 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the loan application information. It is characterized in that the opening of a predetermined financial account for providing a loan service to the blog (or website) operator.

When the server and the financial system 1485 are present in the same system according to an embodiment of the present invention, the server is connected to the financial system 1485 in the ledger D / B 1480 to provide the loan processing result information. It is desirable to create a predetermined ledger that includes.

According to another exemplary embodiment of the present invention, when the server and the financial system 1485 exist on another system connected through a predetermined communication means, the server is connected to the financial system 1485 via a predetermined communication means. It is preferable to request the ledger D / B 1480 on the other financial system 1485 to generate a predetermined account ledger including the loan processing result information through the external system.

Thereafter, the server generates loan processing result information including at least one or more of the customer information and the blog (or website) information, the loan application amount information, and the loan information included in the loan application information, and the predetermined storage medium 1490. ) (1780)

According to an embodiment of the present invention, when the storage medium 1490 is provided in the server or on a network associated with the server, the server includes the customer information and blog included in the received loan application information. (Or the website) It is preferable to store the loan processing result information including at least one or more information, loan application amount information, loan information in the storage medium (1490).

According to another exemplary embodiment of the present invention, when the storage medium 1490 is provided in a DBMS provided on the financial system 1485, the server includes the customer information and the blog included in the received loan application information. Or website) information, loan application amount information, and loan processing result information including at least one or more loan information to the DBMS provided on the financial system 1485 by providing the information system through an external system on the financial system 1485. It is desirable to store.

Thereafter, the server establishes predetermined financial account opening history information (eg, the blog (or website) -based loan account opening history, and / or details of storing the loan application electronic document in the electronic document repository, and / or the The details of storing the loan application information in the storage medium 1490) are generated (or extracted) and transmitted to the terminal (1785).

According to one embodiment of the invention, the storage medium 1490 is preferably provided in a DBMS on a financial system 1485 provided on (or associated with) the loan processing system, wherein The storage medium 1490 may be a ledger D / B 1480 provided in a DBMS on the financial system 1485 and / or a predetermined database associated with the ledger D / B 1480. The present invention is not limited.

According to another method of the present invention, the storage medium 1490 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

18 is a diagram illustrating a non-face-to-face loan processing system for providing a loan service to a blog (or website) operator according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates that a predetermined customer provides loan application information including at least one predetermined customer information, blog (or website) information, and loan application amount information to the financial institution through a predetermined loan application interface. Then, the financial institution opens a blog (or website) based loan account for providing a loan service to the blog (or website) operator based on the loan application information, and based on the blog (or website) A system configuration for storing loan processing result information for managing a loan account in a predetermined storage medium 1885. Those skilled in the art may refer to FIG. 18 and / or To modify the loan processing system to provide loan services to blog (or website) operators. It would be able to infer when the method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

For example, those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 18 to omit a loan processing system configuration that omits the method of storing the loan application electronic document in the electronic document repository. In addition, in the case where the loan application electronic document is stored in the electronic document repository, an implementation method provided in the DBMS in which the electronic document repository is located in the loan processing system, in addition to the implementation method shown in FIG. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 18, the loan application electronic document is illustrated and described as being generated on the server side on the loan processing system, but the present invention is not limited thereto. The document may be generated at the terminal that inputs (or selects) the loan application information and transmits it (for example, the electronic document generating function provided at the server side is provided at the terminal to generate the loan application electronic document). The present invention is not limited thereby.

Hereinafter, the loan application information is provided from the customer through a predetermined loan application interface on the loan processing system shown in FIG. 18 to allow the customer to open the blog (or website) based loan account. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined loan application electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 1800" for convenience.

Referring to FIG. 18 according to an embodiment of the present invention, a loan processing system for providing a loan service to a blog (or website) operator includes at least one wired terminal and / or a wireless terminal used by a customer. And a terminal device 1890 including at least one client terminal or the like, wherein the terminal device 1890 is provided on the loan processing system through a predetermined network means. And communication channel are connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 1800 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, Entering (or selecting) loan application information for providing a loan service to the blog (or website) operator through at least one user interface provided by the financial institution server 1800, the client terminal may select predetermined network means. It is preferable to transmit to the financial institution server 1800 provided on the loan processing system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 1890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer connected to the TCP / IP based communication network. And / or a notebook, a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP based communication network, a kiosk connected to the TCP / IP based communication network, or the like. It is preferable to comprise at least one or more.

In addition, the wireless terminal connected to the wireless communication network is any terminal device 1890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 1890 connected to an x-based portable Internet and / or all terminal devices 1890 connected to an IEEE 802.11x-based wireless LAN, and 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 A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IE It is preferable to include at least one or more WLAN terminal connected to the EE 802.11x-based WLAN.

In addition, the financial institution server 1800 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.

The network means for connecting the client terminal and the financial institution server 1800 may be a CDMA-based (and / or HSDPA-based) mobile communication network and / or an IEEE 802.16x-based portable device according to the type of wireless communication network to which the client terminal is connected. Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 1800, and inputs and / or selects at least one or more information through the user interface to transmit to the financial institution server 1800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 1800) is provided.

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

In the above loan processing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 1800 and / Alternatively, the wireless communication network performs a function of a loan application interface for registering the loan application information for the customer to provide a loan service to the blog (or website) operator.

According to another exemplary embodiment of the present invention, the terminal device 1890 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. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the above loan processing system, when the terminal device 1890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 1800. ) Connects the financial network with the customer to perform a function of a loan application interface for registering loan application information for providing a loan service to the blog (or website) operator, and / or the terminal device 1890. ) Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 1800 is the customer the blog (Or a website) performs a function of a loan application interface for registering loan application information for providing a loan service to an operator, and / or the terminal device In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution (not shown) (1890), the terminal (and / or server) (not shown) and the terminal (and / or server) ( The network connecting the financial company server 1800 performs a function of a loan application interface for registering the loan application information for the customer to provide a loan service to the blog (or website) operator.

The storage medium 1885 provided on the loan processing system according to the present invention includes the customer information and blog (or website) information and loan application amount information included in the loan application information provided from the terminal device 1890. Store the loan processing result information including at least one loan information.

The customer information may include personal information (eg, name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, blog (or website) operator), and member information (eg Member ID information provided in the customer ledger provided on the financial system 1880 associated with the loan processing system in response to the customer by joining the customer as a financial transaction customer of the financial institution; or CIF (Customer). Information file) or the like).

The blog (or website) information includes Uniform Resource Locator (URL) information or Internet Protocol (IP) address information for a blog (or website) operated by the customer and a blog (or website) service within the IP address. It is preferred to include one or more location (eg, directory) information for providing a.

The loan application amount information provides a loan service in order to use a loan service based on advertisement revenue generated through the operation of a blog (or a website) (or in response to the loan application information requested by the customer). It is preferable to include a loan application amount requested by the customer (or loaned to the customer).

The loan information is a loan service based on the advertising revenue generated by the customer through the operation of the blog (or website), when the loan service corresponding to the loan, the loan interest rate information corresponding to the loan service provided, loan Period information that provides a basis for providing a service, average advertisement revenue information generated during the period, and specific conditions for the blog (or website) operated by the customer (eg, the number of visitors, the number of advertisements, the cost of the advertisement clicks) It is preferable that the average advertisement price is one or more, and further includes weight (or inverse weight) information for a specific condition for the blog (or website) operated by the customer.

According to one embodiment of the invention, the storage medium 1885 is preferably provided in a DBMS on the financial system 1880 provided on (or associated with) the loan processing system, wherein The storage medium 1885 may be a ledger D / B 1875 provided in a DBMS on the financial system 1880, and / or a predetermined database associated with the ledger D / B 1875. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1885 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 1800 provided on the loan processing system according to the present invention is a generic term for the loan processing system side components connected to the terminal device 1890 through a predetermined network means, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 1890 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 financial institution server 1800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided on the internet banking server, and / or a predetermined access to the external system of the financial system 1880 through the internet banking system. A foreign system on the financial system 1880 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 1880, thereby It was not limited.

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 1800 may include the wireless banking system. A predetermined server (or a program provided in the wireless banking server) and / or a predetermined server (or accessible to the external system of the financial system 1880) through the wireless banking system. Device), a program included in the server (or device), and / or external to the financial system 1880 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or device), and / or a program included in the external system on the financial system 1880, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 1800 may be connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or through the telebanking system of the financial system 1880. The finance which is a predetermined server (or device) accessible to the outside world, 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 on the system 1880, and / or a program provided in the external system on the financial system 1880, whereby Not determined

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 1800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 1880 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 1880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 1880, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 1800 may include an interface unit 1805 for connecting and managing a predetermined communication channel with the terminal device 1890 through the network means.

According to an embodiment of the present invention, when the terminal device 1890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing 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. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1805 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 1800, the interface unit 1805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a financial automation device connected to a predetermined financial network, the interface unit 1805 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 a device and 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 exemplary embodiment of the present invention, when the terminal device 1890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1805 may implement a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1805 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 financial institution server 1800, the interface unit 1805 communicates with the client terminal based on the CDMA 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 terminal device 1890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1805 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 exemplary embodiment of the present invention, when the terminal device 1890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1805 is a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the communication information, and use at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 18, when a predetermined terminal device 1890 connects a predetermined communication channel with the financial institution server 1800 through the interface unit 1805, the financial institution server 1800 may use the blog (or the web). Site) generates (or extracts) at least one user interface for inputting (or selecting) predetermined loan application information from the terminal device 1890 to provide the loan service to the financial institution server 1800 to provide a loan service to an operator; Interface providing unit 1810 for providing the generated (or extracted) user interface to the terminal device 1890 in association with the interface unit 1805, and the user interface in the terminal device 1890. When the loan application information is input (or selected) and transmitted, the loan application information transmitted from the terminal device 1890 is linked to the interface unit 1805. Subject is characterized by comprising an information receiving unit (1815).

The interface providing unit 1810 connects a predetermined communication channel with the financial institution server 1800 through the interface unit 1805, and then the blog (or the blog) with the financial institution server 1800. When requesting a user interface for providing a loan service to an operator of a website), the terminal device 1890 inputs (or selects) predetermined loan application information to the financial company server 1800 through the network means. Generate at least one user interface to transmit, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 1805 via the network means. Characterized in that provided to the terminal device (1890).

According to an embodiment of the present invention, when the terminal device 1890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a financial automation device connected to a predetermined financial network, the interface providing unit 1810 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 1890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1810 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 1805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 1890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1810 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 1805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 1890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1810 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1805.

According to another exemplary embodiment of the present invention, the terminal apparatus 1890 includes at least one user interface for inputting (or selecting) predetermined loan application information to the financial institution server 1800 through the network means. When a predetermined information registration program is provided, the terminal apparatus 1890 generates (or extracts) a user interface for inputting (or selecting) predetermined loan application information and transmitting the predetermined loan application information to the financial institution server 1800 as described above. The interface providing unit 1810 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 1890 inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the user interface, and inputs the input ( Or selected) the loan application information is transmitted to the financial institution server 1800 through the network means, and correspondingly, the information receiving unit 1815 is transmitted from the terminal device 1890 in association with the interface unit 1805. Characterized in that for receiving the loan application information.

According to the method of the present invention, the terminal device 1890 is the loan request information including at least one or more of the customer information, blog (or website) information, loan application amount information from the financial company server 1800 in the loan At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for confirming the validity of the application information through the network means It is preferable to transmit to the financial institution server 1800.

According to an embodiment of the present invention, the terminal device 1890 includes at least one encryption method (eg, symmetric) for loan application information including at least one of the customer information, blog (or website) information, and loan application amount information. 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 a predetermined electronic signature is applied to the loan application information. In addition, it is preferable to transmit to the financial institution server 1800 through the network means, for this purpose, the terminal device 1890 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one or more Has a predetermined certificate containing an encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card) When provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the loan application information and the technical features of attaching a predetermined electronic signature to the loan application information. Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 18, when the financial institution server 1800 receives the loan application information transmitted from the terminal device 1890 through the information receiver 1815, the received loan application information is displayed in the blog (or Web site) characterized in that it comprises a validity check unit 1820 to check whether the validity for providing a loan service to the operator.

According to an embodiment of the present invention, the loan application 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 exchange). When encrypted with a based encryption method, the validity verification unit 1820 may determine the encrypted loan application information at least one or more decryption methods (eg, symmetric key based decryption method and / or public key) corresponding to the encryption method. Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the validity verification unit 1820 verifies the validity of the received loan application information by checking the electronic signature attached to the loan application information. desirable.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted loan application information, and technical features for confirming an electronic signature attached to the loan application information. Since it will be understood, detailed description thereof will be omitted for convenience.

When the loan application information received through the information receiving unit 1815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the loan application information, the validity confirming unit 1820 is It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the password included in the loan application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiver 1815 further includes predetermined security card information for confirming the validity of the loan application information, the validity confirmation unit 1820 may apply the loan application. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 1815 further includes a predetermined OTP code for confirming the validity of the loan application information, the validity confirming unit 1820 may apply the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating an OTP code included in the received OTP code based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. Do.

According to an embodiment of the present invention, the validity check of the loan application information includes at least one ledger information that matches the loan application information to the ledger D / B 1875 on the financial system 1880 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information is performed by the director D on the financial system 1880 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is desirable to include verifying that it matches the customer ledger stored in / B (1875).

In addition, the validity confirmation of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1875) on the financial system 1880 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

Referring to FIG. 18, the financial institution server 1800 may generate a predetermined period of time through a customer (that is, an operator of a blog (or a website)) who applied for the loan service in response to the loan application information that has been validated. And an information checking unit (or information checking means) for checking the loanable amount based on the average advertisement revenue information.

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertising revenue On the basis of the above, it is preferable to include one or more of the fee amount required for the future debt collection, etc. for the loan application amount requested by the customer, the fee amount for providing the loan service.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

Referring to FIG. 18, when the validity of the loan application information is authenticated through the validity verification unit 1820, the financial institution server 1800 generates a predetermined loan application electronic document including the received loan application information. And an electronic document transmission unit 1830 for transmitting the generated loan application electronic document to an electronic document repository associated with the loan processing system.

The electronic document generation unit 1825 generates a loan application electronic document including the loan application information received from the terminal device 1890 through the information receiving unit 1815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1825 may include customer information, blog (or website) information, and loan application amount information included in the loan application information received through the information receiving unit 1815. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; It is preferable to process a word processor file or a web document file including an MHT as a loan application electronic document for providing a loan service to the blog (or website) operator.

Alternatively, the electronic document generation unit 1825 may include at least one document information including customer information, blog (or website) information, and loan application amount information included in loan application information received through the information receiving unit 1815. And generating at least one or more information of customer information, blog (or website) information, and loan application amount information included in the loan application information in the document content by a watermarking method. Document files containing the document content included (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more, such as HWP / DOC, or the Web including the MHT) Document file, etc.) is preferably processed as a loan application electronic document for loan service provision to the blog (or website) operator. The.

Alternatively, the electronic document generation unit 1825 may include at least one document information including customer information, blog (or website) information, and loan application amount information included in loan application information received through the information receiving unit 1815. A lending service for the blog (or website) operator to generate an image file including an image content (e.g., image content generated by capturing the document content on a memory). It is desirable to process the loan application electronic document for provision.

Alternatively, the electronic document generation unit 1825 may include at least one document information including customer information, blog (or website) information, and loan application amount information included in loan application information received through the information receiving unit 1815. And customer information, blog (or website) information included in the loan application information in image content (eg, image content generated by capturing the document content on a memory) which captured the document content, After providing at least one or more information of the loan application amount information by a watermarking method, provide a loan service to the blog (or website) operator by providing an image file including the image content including the watermarking. It is advisable to process the loan application electronically.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1825 may include customer information, blog (or website) information, loan application amount information included in the loan application information received through the information receiving unit 1815. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT, etc. Site) It is desirable to process the loan application electronic document to provide loan service to the operator.

Alternatively, the electronic document generation unit 1825 may include at least one document information including customer information, blog (or website) information, and loan application amount information included in loan application information received through the information receiving unit 1815. And the customer information, blog (or website) information included in the loan application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content, Generating an image content including at least one or more information of the loan application amount information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file, or an image content including the watermarking) EDI (Electronic Data Interchange) file, or a word processor file including at least one or more, such as HWP / DOC, or including an MHT By creating a document file, etc.), it is preferable to process the loan application to electronic documents for the loan service targeting the blog (or website) operator.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1825 may include customer information, blog (or website) information, loan application amount included in the loan application information received through the information receiving unit 1815. Generate a document content including at least one information, and predetermined image content including the captured image content (for example, the image content generated by capturing the document content on the memory) and the loan application information. By generating 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) In addition, it is preferable to process the loan application electronic document for providing a loan service to the blog (or website) operator.

Alternatively, the electronic document generation unit 1825 may include at least one document information including customer information, blog (or website) information, and loan application amount information included in loan application information received through the information receiving unit 1815. And customer information, blog (or website) information included in the loan application information in image content (eg, image content generated by capturing the document content on a memory) which captured the document content, Generate image content including at least one or more information of the loan application amount information by a watermarking method, and include a document file including the watermarking information and the loan application information (for example, a PDF (Portable Document) Format file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more such as HWP / DOC Or a web document file including MHT), it is preferable to process the loan application electronic document for the loan service provision to the blog (or website) operator.

In the technical field to which the present invention pertains, technical features of the electronic document generating unit 1825 for generating a loan application electronic document in an image file format and / or a predetermined document file format, and the loan 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.

The electronic document transmitting unit 1830 may transmit and store the loan application electronic document generated by the electronic document generating unit 1825 to a predetermined electronic document repository associated with the loan processing system.

As shown in FIG. 18, the electronic document repository stores a predetermined electronic document server 1850 and an electronic document D / B 1870 associated with a financial company server 1800 on the loan processing system through predetermined communication means. In addition, when provided externally, the electronic document transmission unit 1830 transmits the loan application electronic document generated by the electronic document generation unit 1825 to the electronic document server 1850 through the communication means. It is characterized by.

Here, when the electronic document server 1850 and the electronic document D / B 1870 are provided outside the loan processing system, the electronic document server 1850 and the electronic document D / B 1870 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan processing system, the electronic document transmitting unit 1830 is the loan generated by the electronic document generating unit 1825. It is possible to store the request electronic document in the electronic document D / B 1870 corresponding to the electronic document storage on the DBMS provided in the loan processing system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1830 may input electronic document related information (for example, the loan application information) for generating predetermined electronic document management information in the electronic document server 1850 (selection). ), And / or financial institution information for transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan application information, etc.) to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 18, the financial institution server 1800 provides loan service information to the blog (or website) operator through the validity checking unit 1820 for the loan application information received through the information receiving unit 1815. When the validity for the authentication is verified, the loan processing result information based on the customer information, blog (or website) information, loan application amount information and the confirmed loanable amount included in the validity of the loan application information. And an information creating unit 1835 for generating and an account opening unit 1840 for opening and processing a financial account of the customer's name including the loan processing result information.

When the validity of the loan application information is confirmed by the validity confirmation unit 1820, the information generation unit 1835 may include customer information, blog (or website) information, loan application amount information included in the loan application information. And generating the loan processing result information based on the checked loanable amount information.

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

The account opening unit 1840 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 1880 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the loan application information. Or a website) to open a predetermined financial account for the loan service provider for the operator.

When the financial company server 1800 and the financial system 1880 exist in the same system according to an embodiment of the present invention, the account opening unit 1840 is linked with the financial system 1880 to ledger D / B. In 1875, it is preferable to generate a predetermined ledger including the loan processing result information.

According to another exemplary embodiment of the present invention, when the financial institution server 1800 and the financial system 1880 exist on another system connected through a predetermined communication means, the account opening unit 1840 may perform a predetermined communication. It is preferable to request, through means of external means on the financial system 1880, to the general ledger D / B 1775 on the other financial system 1880 to create a predetermined ledger including the loan processing result information. .

Referring to FIG. 18, the financial institution server 1800 provides loan service information to the blog (or website) operator through the validity checking unit 1820 for the loan application information received through the information receiving unit 1815. When the validity for the authentication is authenticated, the loan processing result information including at least one or more of the customer information and blog (or website) information, loan application amount information, loan information included in the loan application information is validated predetermined And an information storage unit 1845 stored in the storage medium 1885.

When the validity of the loan application information is confirmed by the validity confirmation unit 1820, the information storage unit 1845 includes the customer information and blog (or website) information included in the loan application information, the loan application amount. And the loan processing result information including at least one of information and loan information in the storage medium 1885.

According to an exemplary embodiment of the present invention, when the storage medium 1885 is provided in the financial institution server 1800 or on the network associated with the financial institution server 1800, the information storage unit 1845 may be configured as the storage medium 1885. Preferably, the storage medium 1885 stores loan processing result information including at least one of the customer information, blog (or website) information, loan application amount information, and loan information included in the received loan application information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 1885 is provided in a DBMS provided on the financial system 1880, the information storage unit 1845 includes the customer included in the received loan application information. Loan processing result information including at least one information, blog (or website) information, loan application amount information, loan information at least on the financial system (1880) by providing the information system through the external system on the financial system (1880) It is preferable to store in the provided DBMS.

Referring to FIG. 18, an electronic document server 1850 that receives a predetermined loan application electronic document from the financial institution server 1800 provided on the loan processing system and stores and manages the electronic document D / B 1870 in a predetermined electronic document. ) Is an electronic document receiver 1855 for receiving a predetermined loan application electronic document from the financial institution server 1800 through a predetermined communication means, and the electronic document D / B 1870 for receiving the received loan application electronic document. An information generation unit 1860 for generating predetermined electronic document management information for storing and managing the information, and storing the electronic document management information and the loan application electronic document in a predetermined electronic document D / B 1870. It is characterized by comprising an electronic document storage unit 1865.

The electronic document receiving unit 1855 may receive a loan application electronic document in the form of an image file and / or a document file from the financial institution server 1800 through the communication means.

According to the exemplary embodiment of the present invention, the loan application electronic document received by the electronic document receiver 1855 through the communication means is included in the loan application information received by the financial institution server 1800 from the terminal device 1890. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document content including at least one of customer information, blog (or website) information, loan application amount information, or the like. And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means may include customer information or a blog (or information included in the loan application information received by the financial institution server 1800 from the terminal device 1890). Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information in document content including at least one website information and loan application amount information. The document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking, and the like. Word processor files, or web document files containing MHT).

Alternatively, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means may include customer information or a blog (or information included in the loan application information received by the financial institution server 1800 from the terminal device 1890). And an image file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one website information and loan application amount information. It is preferable.

Alternatively, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means may include customer information or a blog (or information included in the loan application information received by the financial institution server 1800 from the terminal device 1890). Customer included in the loan application information in the image content (e.g., image content generated by capturing the document content on the memory) that captures document content including at least one website information and loan application amount information. It is preferable to include at least one or more information of information, blog (or website) information, loan application amount information by a watermarking method, and then include an image file including the image content including the watermarking. .

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means is based on loan application information received by the financial institution server 1800 from the terminal device 1890. Image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one of customer information, blog (or website) information, and loan application amount 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) It is preferable to comprise).

Alternatively, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means may include customer information or a blog (or information included in the loan application information received by the financial institution server 1800 from the terminal device 1890). Customer included in the loan application information in the image content (e.g., image content generated by capturing the document content on the memory) that captures document content including at least one website information and loan application amount information. A document file including image information including at least one or more of information, blog (or website) information and loan application amount information by a watermarking method, and including image content including the watermarking. , At least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC. Is preferably a word processor file or a web document file including MHT).

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means is loan application information received by the financial institution server 1800 from the terminal device 1890. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, blog (or website) information, and loan application amount information included in the information. And a predetermined document file including the loan application 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 MHT. Web document files, etc.) to be included.

Alternatively, the loan application electronic document received by the electronic document receiving unit 1855 through the communication means may include customer information or a blog (or information included in the loan application information received by the financial institution server 1800 from the terminal device 1890). Customer included in the loan application information in the image content (e.g., image content generated by capturing the document content on the memory) that captures document content including at least one website information and loan application amount information. Generate image content including at least one or more of information, blog (or website) information, loan application amount information by a watermarking method, and include image content including the watermarking and the loan application information A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) file. At least one word processor file, or a web document file including the MHT).

The information generating unit 1860 is a predetermined electronic document unique number (or unique information) to be assigned to the loan application electronic document received through the electronic document receiving unit 1855, and the loan through the electronic document receiving unit 1855 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the loan application electronic document was stored) when the electronic document was received.

According to an exemplary embodiment of the present invention, the information generating unit 1860 refers to the financial institution server 1800 that has transmitted the loan application electronic document received through the electronic document receiving unit 1855 to read the loan application electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 1855 further receives a predetermined electronic document related information from the financial institution server 1800, the information generating unit 1860 is the received electronic Document related information (e.g., customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan) It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 1865 associates the loan application electronic document received through the electronic document receiving unit 1855 with the electronic document management information generated through the information generating unit 1860 to process a predetermined electronic document D /. It stores in the B (1870).

According to the exemplary embodiment of the present invention, the loan request electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 is received by the financial institution server 1800 from the terminal device 1890. A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic) file containing document content including at least one or more of customer information, blog (or website) information, and loan application amount information included in a loan application information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 may be included in the loan application information received by the financial institution server 1800 from the terminal device 1890. At least one or more of customer information, blog (or website) information, loan application amount information included in the loan application information in document content including at least one customer information, blog (or website) information, loan application amount information After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. And a word processor file including at least one or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 may be included in the loan application information received by the financial institution server 1800 from the terminal device 1890. Image data captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information, blog (or website) information, and loan application amount information. It is preferable to include an image file.

Alternatively, the loan application electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 may be included in the loan application information received by the financial institution server 1800 from the terminal device 1890. The image content (eg, the image content generated by capturing the document content on the memory) is captured in the document content including at least one of customer information, blog (or website) information, and loan application amount information. An image file including image content including the watermarking after including at least one of customer information, blog (or website) information, and loan application amount information included in the loan application information by watermarking. It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the loan request electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 is provided by the financial institution server 1800 from the terminal device 1890. Image content (e.g., capturing the document content in the memory by capturing document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information) A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the loan application electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 may be included in the loan application information received by the financial institution server 1800 from the terminal device 1890. The image content (eg, the image content generated by capturing the document content on the memory) is captured in the document content including at least one of customer information, blog (or website) information, and loan application amount information. Generate image content including at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information by watermarking, and the image content including the watermarking. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) A word processor file, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the loan request electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 is performed by the financial institution server 1800 by the terminal device 1890. Image content that captures document content including at least one of customer information, blog (or website) information, and loan application amount information included in the loan application information received from the application (eg, capturing the document content on a memory). A word including at least one of a predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC file, etc.) including the image content generated by using the same and the loan application information. Processor file, or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 1870 by the electronic document storage unit 1865 may be included in the loan application information received by the financial institution server 1800 from the terminal device 1890. The loan to image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, blog (or website) information, and loan application amount information. Generating image content including at least one of customer information, blog (or website) information, and loan application amount information included in the application information by a watermarking method, and the image content including the watermarking; A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the loan application information And at least one word processor file or at least one web document file including the MHT.

According to the method of the present invention, electronic document management information stored in the electronic document D / B 1870 by the electronic document storage unit 1865 in association with the loan application electronic document is stored in the loan application electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1870 by the electronic document storage unit 1865 in association with the loan application electronic document is the loan application electronic document. Preferably, the financial institution server 1800 may further include information on a financial institution that has transmitted the loan application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 1800, the electronic document storage unit 1865 processes the electronic document by linking with the loan application electronic document. The electronic document management information stored in the D / B 1870 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the loan application information, and / or the loan application electronic document). Financial institution information, and / or electronic document file format information, and / or the loan application information).

19A and 19B illustrate a blog (or website) based loan account opening process for providing a loan service to a blog (or website) operator in a non-face to face manner according to an embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate a web server in which a terminal device 1890 on the loan processing system shown in FIG. 18 is a client terminal, and the financial institution server 1800 is accessible to a client terminal through predetermined network means. In the case of having a function, a customer may set up a blog (or website) based loan account for providing a loan service to a blog (or website) operator through the client terminal. (Or a website) information and loan application information including at least one or more loan application amount information, if the loan processing system includes at least one or more of the customer information, blog (or website) information, loan application amount information Providing loan services to the blog (or website) operators based on loan application information The method for implementing the blog (or website) based loan account for the process of opening, for those of ordinary skill in the art to which the present invention belongs, and with reference to and / or modified to the drawings 19a and 19b Although various implementation methods for registering the loan application information from the client terminal to the financial institution server 1800 may be inferred, the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 19A and 19B. It is not limited to the method.

For example, although the implementation method shown in FIGS. 19A and 19B includes a process of generating a predetermined electronic document corresponding to the loan application information and storing the electronic document in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, the implementation method shown in Figures 19a and 19b is that the client terminal receives a user interface for inputting (or selecting) the loan application information through a predetermined web page provided by the financial institution server 1800. Although illustrated and described, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 1800, and the present invention is not limited thereto.

Hereinafter, in FIGS. 19A and 19B, the client terminal illustrated in FIG. 18 is referred to as a “terminal” for convenience, and the financial institution server 1800 illustrated in FIG. 18 is referred to as a “server” for convenience. The customer information, blog (or website) information, and loan application amount information transmitted to the financial institution server 1800 are referred to as "loan application information" for convenience.

19A and 19B, when the client terminal illustrated in FIG. 18 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to 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 a web page including a user interface for providing a loan service is requested to an operator (or a website) (1900), the server responds to the customer information, blog (or website) information, and loan application amount information. A web page including a user interface for inputting (or selecting) loan application information including at least one of the above information and transmitting the same to the server; Sex (or extract), and 1905, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station (1910).

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 loan application information registration procedure, whereby the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) loan application information including at least one or more customer information, blog (or website) information, and loan application amount information through a user interface included in the web page (1915).

If the terminal receives (or selects) loan application information including the customer information, blog (or website) information, and loan application amount information through the user interface (1920), the terminal transmits through the communication channel. The input (or selected) customer information, blog (or website) information, loan application amount information is transmitted to the server (1925).

According to an embodiment of the present invention, the terminal checks the validity of the loan application information on the server to the loan application information including at least one or more of the customer information, blog (or website) information, loan application amount information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, blog (or website) information, and loan application amount information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, etc.), and / or attach a predetermined electronic signature to the loan application information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or the IC chip (or IC) when the accredited certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the card).

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, blog (or website) information, and loan application amount information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmits the encrypted data to the server through the network means. Has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card). ) Is provided, the card reader for checking the official certificate provided in the IC chip (or IC card) is provided It is preferable.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the loan application information and the technical features of attaching a predetermined electronic signature to the loan application information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the blog (or website) information, and the loan request amount information through the communication channel to confirm the validity of the loan request information (1930).

According to an embodiment of the present invention, the loan application 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 exchange). The encrypted loan application information, at least one decryption method (eg, symmetric key based decryption method, and / or public key based decryption method) corresponding to the encryption method. And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the server may verify the validity of the received loan application information by checking the electronic signature attached to the loan application information.

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

According to an embodiment of the present invention, when the loan application information received through the information receiving unit 1815 further includes a predetermined password for confirming the validity of the loan application information, the server may include the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiver 1815 further includes predetermined security card information for checking the validity of the loan application information, the server is included in the loan application information. It is preferable to authenticate the validity of the received loan application 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 loan application information received through the information receiving unit 1815 further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information and received. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating an OTP code and an 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 loan application information includes at least one ledger information that matches the loan application information to the ledger D / B 1875 on the financial system 1880 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information is performed by the director D on the financial system 1880 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. / B (1875) is preferably made to include matching with the customer ledger stored.

In addition, the validity confirmation of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1875) on the financial system 1880 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

If the validity of the loan application information is not authenticated (1935), the server generates a web page including predetermined financial account error information and transmits the generated web page to the terminal (1940), based on the blog (or website). Do not open a loan account.

On the other hand, if the validity of the loan application information is authenticated (1935), the server corresponding to the loan application information is confirmed, the customer who applied for the loan service (ie, the operator of the blog (or website)) Through the check the loanable amount based on the average advertising revenue information generated for a certain period of time (1941), and checks the loanable amount and the loan application amount requested by the customer (1942).

According to the method of the present invention, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is confirmed, and the confirmation Checking the loanable amount based on the advertising revenue generated for a certain period of time, first check the advertising revenue generated for a certain period of time for the blog (or website), then the loan application amount requested by the customer and the confirmed advertising revenue On the basis of the above, it is preferable to include one or more of the fee amount required for the future debt collection, etc. for the loan application amount requested by the customer, the fee amount for providing the loan service, and the like.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

If the loan application amount requested by the customer does not exceed the loanable amount (1943), the server includes at least one or more customer information, blog (or website) information including the loan application information, and loan application amount. Generate predetermined document content including information (1945), and generate a predetermined loan application electronic document including the document content (1950).

According to one embodiment of the present invention, the server generates document content including at least one or more customer information, blog (or website) information, loan application amount information included in the received loan application information, the document Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed as a loan application electronic document for the loan service provider to the blog (or website) operator.

Alternatively, the server may generate document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and the document content may be added to the loan application information. After including at least one or more of the included customer information, blog (or website) information, loan application amount information by watermarking (Watermarking) method, a document file containing the document content including the watermarking (eg, PDF) (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more such as HWP / DOC, web document files including MHT, etc. It is desirable to process the loan application electronic document to provide loan service to the bank.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) as a loan application electronic document for providing a loan service to the blog (or website) operator. Do.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as a loan application electronic document for providing a loan service to the blog (or website) operator.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, blog (or website) information, loan application amount information included in the received loan application information, and A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ) File, or a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, etc.), loan application for loan service provision to the blog (or website) operators It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. By generating at least one word processor file or at least one web document file including the MHT; He (or Web site), it is preferable to process the loan application operators to electronic documents for the loan services provided to the target.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, blog (or website) information, loan application amount information included in the received loan application information, A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) and the loan application information; 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), to lend to the blog (or website) operator. It is desirable to process the loan application electronic document for service provision.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Generating an image content including a watermarking method, a document file including the watermarking image content and the loan application information (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one HWP / DOC, or a web document file including MHT). By gender, it is preferable to process the loan application to electronic documents for the loan service targeting the blog (or website) operator.

Those skilled in the art to which the present invention pertains may include technical features that the server generates a loan application electronic document in an image file format and / or a predetermined document file format, and corresponds to the loan application electronic document. Since you will be familiar with the technical features of the file format for image files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (1955).

As shown in FIG. 18, the electronic document repository includes a predetermined electronic document server 1850 and an electronic document D / B 1870 linked to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated loan application electronic document to the electronic document server 1850 through the communication means to store in the electronic document D / B (1870).

Or, if the electronic document storage is provided on a DBMS provided in the loan processing system, the server is the electronic document corresponding to the electronic document storage on the DBMS provided in the loan processing electronic document in the loan processing system It is possible to store in the D / B 1870, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document shown in Fig. 18 by linking the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in the D / B (1870).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or Electronic document file format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document repository (1960), the server is the loan processing result based on the customer information, blog (or website) information, loan application amount information included in the loan application information Generate information (1965).

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

Thereafter, the server includes the loan processing result information based on the customer information, blog (or website) information, and loan application amount information included in the loan application information in connection with the financial system 1880. Opened and processed a financial account in his name (1970).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in association with the financial system 1880 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the loan application information. It is characterized in that the opening of a predetermined financial account for providing a loan service to the blog (or website) operator.

When the server and the financial system 1880 are present in the same system according to an exemplary embodiment of the present invention, the server is connected to the financial system 1880 to the ledger D / B 1875 for the loan processing result information. It is desirable to create a predetermined ledger that includes.

According to another exemplary embodiment of the present invention, when the server and the financial system 1880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 1880 through a predetermined communication means. It is preferable to request the ledger D / B 1875 on the other financial system 1880 to generate a predetermined account ledger including the loan processing result information through the external system.

Thereafter, the server generates loan processing result information including at least one or more of the customer information and blog (or website) information, the loan application amount information, and the loan information included in the loan application information. (1975)

According to an embodiment of the present invention, when the storage medium 1885 is provided in the server or on a network associated with the server, the server includes the customer information and blog included in the received loan application information. (Or a website) It is preferable to store the loan processing result information including at least one or more information, loan application amount information, loan information in the storage medium (1885).

According to another exemplary embodiment of the present invention, when the storage medium 1885 is provided in a DBMS provided on the financial system 1880, the server may include the customer information and the blog included in the received loan application information. Or website) information, loan application amount information, and loan processing result information including at least one or more loan information to the DBMS provided on the financial system 1880 by providing the information system through the external system on the financial system 1880. It is desirable to store.

Thereafter, the server establishes predetermined financial account opening history information (eg, the blog (or website) -based loan account opening history, and / or details of storing the loan application electronic document in the electronic document repository, and / or the The record storing the loan application information on the storage medium 1885 is generated (or extracted) and transmitted to the terminal (1980).

According to one embodiment of the invention, the storage medium 1885 is preferably provided in a DBMS on the financial system 1880 provided on (or associated with) the loan processing system, wherein The storage medium 1885 may be a ledger D / B 1875 provided in a DBMS on the financial system 1880, and / or a predetermined database associated with the ledger D / B 1875. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1885 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

20A, 20B, and 20C are diagrams illustrating a blog (or website) based loan account opening process for providing a loan service to a blog (or website) operator according to one embodiment of the present invention.

In more detail, FIGS. 20A, 20B, and 20C show a case where the loan processing system shown in FIG. 18 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the loan processing system shown in FIG. 18). In the case where the financial institution server 1800 is an internet banking server, after the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure, When the client terminal transmits predetermined loan application information to the internet banking server to open a blog (or website) based loan account for providing a loan service to the blog (or website) operator, the internet banking If the server includes at least one of the customer information, blog (or website) information, loan application amount information As a method of opening and processing the blog (or website) based loan account for providing a loan service to the blog (or website) operator based on the application information, the general knowledge in the technical field to which the present invention belongs. If the person having the present invention, the various implementation methods for registering the loan application information through other types of non-face-to-face financial transaction channels by referring to and / or modified with reference to the drawings 20a, 20b and 20c, but the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 20A, 20B, and 20C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 20A, 20B, and 20C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering loan application information between the client terminal and the Internet banking server based on the browser program is illustrated, those skilled in the art to which the present invention pertains include And a 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 program shown in FIGS. 20a, 20b, and 20c. Internet Banking Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of loan application information to the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The 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 Figure 20a, 20b and 20c, 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 loan application information registration. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 20A, 20B, and 20C.

In addition, although the embodiment shown in FIGS. 20A, 20B, and 20C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

20A, 20B, and 20C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 1800 is referred to as " server "

20A, 20B, and 20C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (2005a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This 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 the provided browser program.

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 (2010a).

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 (2015a), 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 (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), 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 (2030a), 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. 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 from the terminal to the server for registration of loan application information. (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 A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and information to be provided to the server for registration of loan application information by the terminal. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (2035a).

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. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include 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 (2040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), 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 (2060a), where Internet banking The underlying financial transaction channel refers to a communication channel that can register and transmit predetermined loan application information for providing a loan service to a blog (or website) operator from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for providing a loan service to the blog (or website) operator to the server through an internet banking-based financial transaction channel (2000b), the terminal correspondingly The server generates a web page including a user interface for inputting (or selecting) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information to the server ( Or (b) (2005b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (2010b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) loan application information including at least one of customer information, blog (or website) information, and loan application amount information in the terminal. And / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the loan application information. Security card information printed on the card) and / or One Time Password (eg, through the Internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution. It is preferable to further include a user interface for inputting the generated one-time password).

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 loan application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, blog (or website) information, and loan application amount information through the loan application interface (2015b).

If the terminal receives (or selects) loan application information including the customer information, blog (or website) information, and loan application amount information through the user interface (2020b), the terminal establishes the financial transaction channel. The loan application information input (or selected) is transmitted to the server through 2025b.

According to an embodiment of the present invention, the terminal checks the validity of the loan application information on the server to the loan application information including at least one or more of the customer information, blog (or website) information, loan application amount information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, blog (or website) information, and loan application amount information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, etc.), and / or attach a predetermined electronic signature to the loan application information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or the IC chip (or IC) when the accredited certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the card).

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, blog (or website) information, and loan application amount information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, and the like, and transmits the encrypted data to the server through the network means. Has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card). ) Is provided, the card reader for checking the official certificate provided in the IC chip (or IC card) is provided It is preferable.

Those skilled in the art will be familiar with the technical features of various encryption schemes for encrypting the loan application information and the technical features of attaching a predetermined electronic signature to the loan application information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the loan application information through the financial transaction channel to confirm the validity of the loan application information (2030b).

According to an embodiment of the present invention, the loan application 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 exchange). When encrypted with a based encryption method, the server at least one decryption method (eg, symmetric key based decryption method and / or public key based decryption method) corresponding to the encrypted loan application information, the encryption method, And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the server may verify the validity of the received loan application information by checking the electronic signature attached to the loan application information.

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

According to an embodiment of the present invention, when the loan application information received through the information receiving unit 1815 further includes a predetermined password for confirming the validity of the loan application information, the server may include the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiver 1815 further includes predetermined security card information for confirming the validity of the loan application information, the server is included in the loan application information to receive the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 1815 further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information and received. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating an OTP code and an 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 loan application information includes at least one ledger information that matches the loan application information to the ledger D / B 1875 on the financial system 1880 associated with the loan processing system. It is preferable to include checking whether is registered.

For example, the validity confirmation of the loan application information is performed by the director D on the financial system 1880 in which the customer information (customer personal information or member information, etc.) of the information included in the loan application information is linked to the loan processing system. It is desirable to include verifying that it matches the customer ledger stored in / B (1875).

In addition, the validity confirmation of the loan application information, the blog (or website) information contained in the loan application information is stored in the ledger D / B (1875) on the financial system 1880 associated with the loan processing system It is preferable to include checking whether or not it matches the above information.

If the validity of the loan application information is not authenticated (2035b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (2040b), and the blog (or website) based Do not open a loan account.

On the other hand, if the validity of the loan application information is authenticated (2035b), the server corresponding to the loan application information is confirmed, the customer who applied for the loan service (ie, the operator of the blog (or website)) Through confirming the loanable amount based on the average advertising revenue information generated over a period of time (2041b), and compares the loanable amount and the loan application amount requested by the customer (2042b).

According to the method of the present invention, the advertisement revenue generated for a certain period of time for a blog (or a website) operated by a customer (that is, an operator of a blog (or a website)) applying for the loan service is checked. Checking the loanable amount based on the confirmed advertising revenue generated for a certain period of time, first confirming the advertising revenue generated for a certain period of time for the blog (or website), and then the loan application amount requested by the customer and the confirmed advertisement It is preferable to include one or more of the fee amount required for the future debt collection, the fee amount for providing the loan service, etc. for the loan request amount requested by the customer based on the profit.

In addition, the advertisement revenue generated for a certain period of time for the blog (or website) operated by the customer (that is, the operator of the blog (or website)) who applied for the loan service is checked, and the advertisement generated for the predetermined period of time is confirmed. When checking the loanable amount based on the profit, it is preferable to further check the interest rate information according to the loan service to the customer.

Here, when confirming the advertising revenue generated for a certain period of time for the blog (or website), the number of visitors to the blog (or website), the number of advertisements, the ad click rate, the average advertising unit price is checked at least one, and the confirmation It is preferable to check the advertising revenue generated for a certain period of time by reflecting the information given the weight (or inverse weight) to the number of visitors, the number of advertisements, the advertisement click rate, and the average advertisement price for the blog (or website).

The interest rate information provided to the customer may include change information including at least one visitor information, an advertisement number information, an advertisement click rate information, and an average advertisement price information about a blog (or website) operated by the client. It is desirable to check in real time (or periodically), determine interest rate information based on the identified change information, and the interest rate is preferably changed in real time (or periodically).

Thereafter, it is desirable to check whether the checked loanable amount exceeds the loan application amount requested by the customer (ie, blog (or website) operator).

If the loan application amount requested by the customer does not exceed the loanable amount (2043b), the server may include at least one or more customer information, blog (or website) information including the loan application information, and loan application amount. Generate predetermined document content including information (2045b), and generate predetermined loan application electronic document including the document content (2050c).

According to one embodiment of the present invention, the server generates document content including at least one or more customer information, blog (or website) information, loan application amount information included in the received loan application information, the document Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed as a loan application electronic document for the loan service provider to the blog (or website) operator.

Alternatively, the server may generate document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and the document content may be added to the loan application information. After including at least one or more of the included customer information, blog (or website) information, loan application amount information by watermarking (Watermarking) method, a document file containing the document content including the watermarking (eg, PDF) (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more such as HWP / DOC, web document files including MHT, etc. It is desirable to process the loan application electronic document to provide loan service to the bank.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) as a loan application electronic document for providing a loan service to the blog (or website) operator. Do.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as a loan application electronic document for providing a loan service to the blog (or website) operator.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, blog (or website) information, loan application amount information included in the received loan application information, and A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ) File, or a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, etc.), loan application for loan service provision to the blog (or website) operators It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. By generating at least one word processor file or at least one web document file including the MHT; He (or Web site), it is preferable to process the loan application operators to electronic documents for the loan services provided to the target.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, blog (or website) information, loan application amount information included in the received loan application information, A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) and the loan application information; 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), to lend to the blog (or website) operator. It is desirable to process the loan application electronic document for service provision.

Alternatively, the server generates document content including at least one of customer information, blog (or website) information, and loan application amount information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, blog (or website) information, and loan application amount information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Generating an image content including a watermarking method, a document file including the watermarking image content and the loan application information (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, Or a word processor file including at least one HWP / DOC, or a web document file including MHT). By gender, it is preferable to process the loan application to electronic documents for the loan service targeting the blog (or website) operator.

Those skilled in the art to which the present invention pertains include technical features that the server generates a loan application electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the loan application electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (2055c).

As shown in FIG. 18, the electronic document repository includes a predetermined electronic document server 1850 and an electronic document D / B 1870 linked to a server on the loan processing system through predetermined communication means. When provided, the server preferably transmits the generated loan application electronic document to the electronic document server 1850 through the communication means to store in the electronic document D / B (1870).

Or, if the electronic document storage is provided on a DBMS provided in the loan processing system, the server is the electronic document corresponding to the electronic document storage on the DBMS provided in the loan processing electronic document in the loan processing system It is possible to store in the D / B 1870, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Fig. 18 by linking the generated loan application electronic document and predetermined electronic document management information Preferably stored in / B 1870.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or Electronic document file format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (2060c), the server is the loan processing result based on the customer information, blog (or website) information, loan application amount information included in the loan application information Generate information (2065c).

In this case, the loan processing result information preferably comprises account number and interest rate information corresponding to the blog (or website) based loan account opened based on the loan application information.

Thereafter, the server includes the loan processing result information based on the customer information, blog (or website) information, and loan application amount information included in the loan application information in connection with the financial system 1880. Open and process a financial account under the title (2070c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in association with the financial system 1880 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the loan processing result information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the loan application information. It is characterized in that the opening of a predetermined financial account for providing a loan service to the blog (or website) operator.

According to an embodiment of the present invention, when the server and the financial system 1880 are present in the same system, the server is linked to the financial system 1880 to the ledger D / B 1775 to the loan processing result. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the server and the financial system 1880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 1880 through a predetermined communication means. It is preferable to request the ledger D / B 1875 on the other financial system 1880 to generate a predetermined account ledger including the loan processing result information through the external system.

Thereafter, the server generates loan processing result information including at least one or more of the customer information and blog (or website) information, the loan application amount information, and the loan information included in the loan application information. ) (2075c)

According to an embodiment of the present invention, when the storage medium 1885 is provided in the server or on a network associated with the server, the server includes the customer information and blog included in the received loan application information. (Or a website) It is preferable to store the loan processing result information including at least one or more information, loan application amount information, loan information in the storage medium (1885).

According to another exemplary embodiment of the present invention, when the storage medium 1885 is provided in the DBMS provided on the financial system 1880, the server includes the customer information and the blog included in the received loan application information. Or website) information, loan application amount information, and loan processing result information including at least one or more loan information to the DBMS provided on the financial system 1880 by providing the information system through the external system on the financial system 1880. It is desirable to store.

Thereafter, the server establishes predetermined financial account opening history information (eg, the blog (or website) -based loan account opening history, and / or details of storing the loan application electronic document in the electronic document repository, and / or the The details of storing the loan application information in the storage medium 1885) are generated (or extracted) and transmitted to the terminal (2080c).

According to one embodiment of the invention, the storage medium 1885 is preferably provided in a DBMS on the financial system 1880 provided on (or associated with) the loan processing system, wherein The storage medium 1885 may be a ledger D / B 1875 provided in a DBMS on the financial system 1880, and / or a predetermined database associated with the ledger D / B 1875. The present invention is not limited.

According to another method of the present invention, the storage medium 1885 may be an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the loan processing system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

According to the present invention, by managing the advertising revenue of the blog (or website) through a blog (or website) dedicated account, it is possible to manage the advertising revenue of the blog (or website) easily and conveniently, and There is an advantage that can easily provide a loan service based on advertising revenue.

Claims (4)

In the way that the financial company server provides a loan service for blog operators, Receiving loan application information including blog information and loan application amount information of the blog operator from the terminal; Checking an average advertising revenue generated over a period of time through the blog of the blog operator; Identifying a loanable amount based on the identified average advertisement revenue generated over a period of time; Determining interest rate information for the loan application amount of the blog operator based on the change information including at least one of visitor information, advertisement number information, advertisement click ratio information, and average advertisement price information about the blog operator's blog; step; Check whether the loan application amount of the blog operator exceeds the confirmed loanable amount, and if the loan application amount does not exceed the confirmed loanable amount, the loan including the loan application information of the blog operator Generating an application electronic document; And Electronic document management including the loan application electronic document, the electronic document unique information assigned to the loan application electronic document, electronic document storage date and time information, financial institution information that generated the loan application electronic document and blog information of the blog operator And linking and storing the information in an electronic document repository. The method of claim 1, wherein the checking of the average advertising revenue generated over a period of time through the blog of the blog operator comprises: Identify at least one visitor, ad serving, ad click rate, average ad unit price for the blog, and assign a weight to at least one of the visitor, ad serving, ad click rate, average ad unit price for the identified blog And checking the average advertisement revenue generated during the predetermined time period by reflecting the weighted information. The method of claim 1, Periodically checking the change information on the blog of the blog operator and changing an interest rate for the loan request amount of the blog operator based on the checked change information; How to provide loan services to operators. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3.

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