KR20080023232A - Method for provding information - Google Patents

Abstract

A method for providing information is provided to improve customer satisfaction by preventing demerit caused by a deterred payment ratio and service stop, as insufficient balance information is provided to a customer when the balance of a customer payment account is smaller than an amount billed to the customer. An information receiver collects information of amounts to be billed to a customer(500), and an information checker checks whether the collected billed amount can be paid with the balance of a customer payment account by comparing the balance of the payment account with the amount billed to the customer(512). An information generator generates insufficient balance information when the balance of the payment account is smaller than the billed amount. An information transmitter transmits the insufficient account information to a communication tool of the customer(514). The information checker checks again the payment account on or before a payment day(520). The insufficient balance information is informed to a secondary customer or a secondary communication tool of the customer when the balance of the payment account is insufficient to pay the billed amount.

Description

Method for Provding Information

1 is a view showing the configuration of an information registration system for registering a service to process the aggregated customer payment schedule information, the customer's payment schedule data according to an embodiment of the present invention.

2 is a diagram illustrating a process of storing and registering customer payment schedule information processing service registration information in a predetermined storage medium according to an embodiment of the present invention.

3 is a view showing an information processing system configuration for processing the aggregated customer payment schedule information by aggregating payment schedule data of a customer according to an embodiment of the present invention.

4A and 4B are diagrams illustrating a configuration of customer ledger information in which customer payment related information for providing customer payment schedule information according to an embodiment of the present invention is stored.

5 is a diagram illustrating a process of aggregating customer payment schedule information and providing the same to the customer communication means according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating the contents of the customer's payment schedule data for processing the aggregated customer payment schedule information according to an embodiment of the present invention.

7 is a diagram illustrating an example of a wireless terminal screen providing payment schedule data of a customer to the customer wireless terminal according to an exemplary embodiment of the present invention.

8 is an example of an e-mail screen for providing a customer's payment schedule data to the customer e-mail according to one embodiment of the present invention.

9 is a diagram illustrating a system configuration for providing payment schedule information to predetermined customers connected to a financial institution through a non-face-to-face channel according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

11 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer after performing authentication of the Internet banking using customer according to an embodiment of the present invention.

12 is a diagram illustrating a system configuration for providing customer payment schedule information to a predetermined customer who is connected to a financial institution through a non-face-to-face channel according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

14 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer after performing authentication of an Internet banking using customer according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a system configuration for providing customer settlement schedule information to a predetermined customer connected to a financial institution through a non-face-to-face channel according to another exemplary embodiment of the present invention.

16A and 16B illustrate a process of accessing a wireless banking server from a customer terminal for a predetermined financial transaction according to an exemplary embodiment of the present invention.

17 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer information to a wireless banking user terminal according to an embodiment of the present invention.

18 is a diagram illustrating a system configuration for providing customer payment schedule information to a predetermined customer who is connected to a financial institution through a non-face-to-face channel according to another embodiment of the present invention.

19A and 19B illustrate a process of accessing a wireless banking server from a customer terminal for a predetermined financial transaction (or transaction history inquiry) according to an embodiment of the present invention.

20 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer information to a wireless banking user terminal according to another embodiment of the present invention.

FIG. 21 is a diagram illustrating a system configuration for providing the customer settlement schedule information to a predetermined customer connected to a financial institution through a non-face-to-face channel according to another embodiment of the present invention.

22A and 22B illustrate a process of providing customer payment schedule information corresponding to the financial transaction customer information to the financial terminal when using the financial terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

300: payment history providing server 305: information providing server

310: interface unit 315: interface providing unit

320: information providing unit 325: information storage unit

330: information verification unit 335: account inquiry unit

340: information collecting unit 345: information collecting unit

The present invention comprises the steps of collecting information on the amount of payment due to the customer in a predetermined information receiving means, and checks the balance of the customer's payment account in the predetermined information checking means, through the customer payment account for the collected payment due price; Checking whether or not it can be processed; and if the balance of the customer's payment account is insufficient, generating predetermined payment account balance lack information in the predetermined information generating means, and in the predetermined information transmission means. Transmitting the generated payment account balance shortage information to the customer communication means, and on or before the payment day, reconfirm the customer's payment account through the information verification means, and as a result of the reconfirmation, the balance of the customer payment account is continued; If insufficient, causing the second or second customer communication means to be notified of the lack of payment account balance information. The present invention relates to a method of providing information.

In general, financial transactions customers have a lot of regular payments, such as utility bill payments and due date payments, which are settled every month, but many customers do not manage them efficiently. Therefore, they cannot manage the balance of payment accounts against the total amount of payments on the day of payment. In some cases, outstanding balances may be due, resulting in loss of late payment interest or suspension of service.

<Table 1> Example of aggregation point of payment history by service

In addition, as shown in <Table 1>, the billing point of each billing service is distributed variously from one business day before the billing day to the afternoon of the billing day, and the balance is insufficient as described above without confirming the customer billing information according to the billing table. There is a possibility that a large amount of outstanding balance will occur.

Therefore, there are customer needs for forecasting future asset flows and integrated management of assets, and the current EBPP service is not activated due to the low response of Biller and customers. Therefore, a new business model is urgently needed.

An object of the present invention for solving the above problems, the step of collecting information on the amount of payment of the customer in a predetermined information receiving means, by checking the balance of the customer's payment account in a predetermined information checking means, the customer payment account Checking whether the collected payment scheduled payment can be processed through; and if the balance of the customer payment account is insufficient, generating predetermined payment account balance lack information in a predetermined information generating means. And transmitting, by the predetermined information transmitting means, the generated shortage account balance information to the customer communication means, and reconfirming the payment account of the customer through the information checking means on or before the payment day, and reconfirming the result. If the balance of the customer payment account is still insufficient, the balance of the payment account to the second or second customer communication means Group information may provide information comprising the step of providing a method for notification.

The information providing method according to the present invention comprises the steps of collecting information on the amount of payment of the customer in a predetermined information receiving means, and confirming the balance of the customer's payment account in a predetermined information checking means, through the customer payment account; Checking whether or not it is possible to process the collected payment due date, and if the balance of the customer's payment account is insufficient, generating predetermined payment account balance lack information in a predetermined information generating means; Transmitting the generated payment account balance shortage information to the customer communication means by a predetermined information transmitting means, and reconfirming the customer's payment account through the information checking means on or before the payment day; If the remaining balance of the payment account is insufficient, the information regarding the lack of payment account balance is transmitted to the second or second customer communication means. And a step of that.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a view showing the configuration of an information registration system for registering a service for processing the aggregated customer payment schedule information by collecting the customer due data according to an embodiment of the present invention.

In more detail, Figure 1 shows a comprehensive and / or periodic management of various payments (eg, utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by the customer (eg. Notification, account balance inquiry / notification according to the payment schedule), the payment information processing service registration information according to the present invention is received from the customer through a predetermined information registration interface, and the payment information processing service As a system configuration for storing and registering in a predetermined storage medium 130 in association with customer information requesting registration, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. An information registration system for storing and registering the scheduled payment information processing service registration information in the storage medium 130 in association with the customer information Would be able to infer a variety of exemplary methods for the configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, payment information processing service registration information (e.g., service application date and / or service application customer information and / or service application details) provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. And / or at least one or more means and / or functional components for storing the storage application 130 in association with the customer information and the service application agreement agreement information). ) "

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for storing and registering the payment schedule information processing service registration information provided from the customer in association with the customer information is stored in the storage medium 130. And an information registration terminal including at least one wired terminal and / or a wireless terminal used by the customer, wherein the information registration terminal comprises information provided on the information registration system through a predetermined network means. The communication channel is connected to the registration server 100.

According to an exemplary embodiment of the present invention, the customer may register payment schedule information processing service registration information for counting and managing various payment related information (eg, payment account, payment date, payment amount, etc.) scheduled for the customer according to the present invention. In order to provide the information registration server 100, a terminal (for example, information registration for providing an information registration service according to the present invention) provided in a specific institution connected to the communication channel by a predetermined network means with the information registration server 100 If the server 100 is a financial institution server, the terminal may include a window terminal) and / or input the payment information processing service registration information using the wired terminal and / or the wireless terminal used by the customer as the information registration terminal ( Or the information registration terminal transmits the input (or selected) payment schedule information processing service registration information through the network means. To transmit to the information registering server 100 provided on the information registering system is preferred.

For example, when the information registration terminal is a terminal provided in a financial institution visited by the customer (including a window terminal), the network means for connecting the information registration terminal and the information registration server 100 may include the information registration terminal and the information. It may include a financial network (eg, our network) or a dedicated communication network connecting the communication channel between the registration server 100.

For example, when the information registration system is provided at a predetermined financial institution and / or interworked with a financial institution, the financial network connecting the information registration terminal and the information registration server 100 may register the payment scheduled information processing service. It performs a function of an information registration interface for registering information.

According to another exemplary embodiment of the present invention, the customer accesses the information registration server 100 through at least one information registration terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. When the payment information processing service registration information is input (or selected) through at least one information input registration interface provided by the information registration server 100, the information registration terminal receives the information through predetermined network means. It is preferable to transmit to the information registration server 100 provided on the registration system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the information registration server 100 connected to the information registration 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 information registration terminal and network means. It may be one, and / or in association with the Internet banking server and / or wireless banking server and / or telebanking server and / or TV banking server, and / or comprises a separate web server for the information registration. Do.

In addition, the network means for connecting the information registration terminal and the information registration server 100 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or according to the type of wireless network connected to the information registration terminal It is preferable that any one of DataTAC / Mobitex-based wireless data communication networks and / or include all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the information registration terminal outputs at least one or more information registration interface provided by the information registration server 100, and at least one or more information (e.g. payment information processing service registration information, etc.) through the information registration interface. A function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information registration server 100, etc.) for input and / or selection and transmission to the information registration server 100 is provided. It is preferable that it is done.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the information registration 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 information registration system, at least one wired network and / or wireless network connecting the information registration terminal 100 and the information registration terminal including at least one wired terminal and / or wireless terminal used by the customer. Performs a function of an information registration interface for registering the payment schedule information processing service registration information.

According to another exemplary embodiment of the present invention, the information registration terminal includes the teller terminal and / or a wired / wireless terminal and is connected to a predetermined financial network (eg, a financial common network). An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institutions, whereby the present invention is not limited All.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server 100. The financial network that connects to perform a function of an information registration interface for registering the scheduled payment information processing service registration information, and / or when the information registration terminal is the call terminal (not shown), the call terminal ( (Not shown) and a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the information registration server 100 perform a function of an information registration interface for registering the payment schedule information processing service registration information. And / or when the information registration terminal is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) ( Network connecting If omitted) and the terminal (and / or the server) (not shown), and the information registering server 100 is performing the function of the information registering interface for registering the payment schedule information processing service properties.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that the payment information processing service registration information of the customer provided from the information registration terminal and the customer information is stored in association with each other, The payment schedule information processing service registration information of the customer stored in the storage medium 130 serves as a basis for comprehensively managing various payments of the customer through the following information processing server according to the present invention.

According to one embodiment of the invention, the storage medium 130 is provided on the information registration server 100 on the information registration system, and / or provided on the information registration system (or associated with the information registration system). A predetermined server (e.g., the following) provided in a DBMS on the financial system and / or associated with the information registration system (or financial system) Information processing server and the like).

Here, when the storage medium 130 is provided in the DBMS on the financial system, the storage information (eg, payment information processing service registration information, etc.) stored in the storage medium 130 is included in the ledger D / B. And / or any database associated with the ledger D / B, whereby the invention is not limited.

According to another embodiment of the present invention, the storage medium 130 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking 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.

According to the present invention, the information registration server 100 provided on the information registration system shown in FIG. 1 is a generic term for components of the information registration system side connected to the information registration terminal through a predetermined network means. It may be implemented by including at least one server (or device), and / or 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 exemplary embodiment of the present invention, when the information registration terminal is a teller terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 100 is connected to the predetermined financial network. A ledger server provided on a financial system connected to a teller terminal and / or an automated teller machine (not shown), and / or a server (or device) provided (or linked) to an external world on the financial system, and / or Or it may be a program provided in 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 includes a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 may include the Internet banking system. Any server (or device) provided on the Internet banking server, and / or a program provided on the Internet banking server, and / or accessible to the outside world of the financial system through the Internet 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 Internet banking server (and / or the server (or device)). Or, and / or a program provided in 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 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 100 is configured on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system 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 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 100 is configured on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the program, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien and / or a program provided in the external world on the financial system, whereby the present invention is not limited .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 100 is the TV banking system A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 105 may include a protocol stack defined in the financial network. A communication protocol defined in a financial transaction related program included in the window terminal and / or the financial automatic device (not shown) and connecting a predetermined communication channel with the counter terminal and / or the financial automated device (not shown) It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) (for example, payment information processing service registration information, etc.) by using.

According to another exemplary embodiment of the present invention, when the information registration terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 is connected to the wired network and / or. Or connecting a predetermined communication channel with the information registration terminal based on a protocol stack defined in a wireless network, and using at least one information (or data) using a communication protocol defined in a communication program included in the information registration terminal ( For example, it is desirable to provide a communication interface for transmitting and receiving information, such as payment information processing service registration information).

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

Alternatively, when the information registration terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 is based on the TCP / IP protocol and the information registration terminal. And a communication channel and provide 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 includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 registers the information based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the information registration terminal, the interface unit 105 may be connected to the information registration terminal based on the CDMA protocol. A communication interface for connecting to a communication channel and transmitting / receiving a web page (e.g., a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the information registration terminal is provided with a communication program (eg, IC chip based banking program) provided by the information registration server 100, the interface unit 105 registers the information based on the CDMA protocol. It connects a communication channel with a terminal 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 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 and 105 are 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 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. Can provide.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 1, when the predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105 to provide the information. An interface provider 110 for generating (or extracting) a predetermined information registration interface for inputting (or selecting) the payment schedule information processing service registration information from a registration terminal and providing the information registration service to the information registration terminal; An information receiving unit 115 which receives payment schedule information processing service registration information which is input (or selected) and transmitted from the information registration terminal through the information registration interface in association with the unit 105; and the received payment schedule information processing; And an information storage unit 125 for storing and registering service registration information in the storage medium 130 in association with the customer information. It shall be.

The interface providing unit 110, when the information registration terminal is connected to the information registration server 100 via the interface unit 105, corresponding to the payment configuration information processing service corresponding to the functional configuration provided in the information registration terminal Generate a predetermined information registration interface that can input (or select) registration information and transmit it to the information registration server 100 via the network means, and / or extract from a predetermined database (not shown), and the interface The information registration interface generated (or extracted) in cooperation with the unit 105 is provided to the information registration terminal through the network means.

When the payment schedule information processing service registration information is input (or selected) through the information registration interface for inputting (or selecting) the payment schedule information processing service registration information according to an exemplary embodiment of the present invention, the information registration interface may include the above information. And an interface for inputting (or selecting) service application date and / or service application customer information and / or service application details and / or service application agreement agreement information.

Thereafter, the information registration terminal inputs (or selects) the scheduled payment information processing service registration information based on the information registration interface, and transmits the input (or selected) payment scheduled information processing service registration information to the network means. It transmits to the information registration server 100 through.

According to an embodiment of the present invention, when the information registration terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 110 is connected to the information registration terminal. Generate (or extract) a predetermined information registration interface that can be provided by the provided browser program and / or communication program, and provide the generated (or extracted) information registration interface to the information registration terminal through the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 includes a browser program and / or a communication program provided in the information registration terminal. It is preferable to generate (or extract) a predetermined information registration interface that can be provided, and provide the generated (or extracted) information registration interface to the information registration terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 and 110 are connected to the call terminal (not shown). Generate (or extract) a predetermined information registration interface that can be provided, and the information registration interface (eg, ARS based user interface) generated (or extracted) through the interface unit 105. It is preferable to provide a (call terminal).

When the information receiving unit 115 inputs (or selects) payment schedule information processing service registration information through the information registration interface and transmits the information through the network means, the information receiving unit 115 interworks with the interface unit 105. The payment schedule information processing service registration information is received, and the received payment schedule information processing service registration information is provided to the information storage unit 125.

When the payment schedule information processing service registration information is received through the information receiving unit 115, the information storage unit 125 associates the received payment schedule information processing service registration information with the customer information to store the storage medium 130. The storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. ) Stores the payment schedule information processing service registration information linked to the customer information in the storage medium 130, and when the storage medium 130 is provided in a DBMS provided on a financial system, The information storage unit 125 preferably stores and provides payment schedule information processing service registration information linked to the customer information to an information system through an external system on the financial system. The.

2 is a diagram illustrating a process of storing and registering customer payment schedule information processing service registration information in a predetermined storage medium 130 according to an embodiment of the present invention.

In more detail, Figure 2 is a information registration server 100 on the information registration system shown in FIG. 1 provides a predetermined information registration terminal operated by a branch employee of a financial institution and payment information processing service registration information according to the present invention After connecting the communication channel for the transmission, and the information registration service processing registration information scheduled to be processed from the information registration terminal to the information registration server 100 through the communication channel, the received from the information registration server 100 The present invention relates to a method of registering and storing payment schedule information processing service registration information in a predetermined storage medium 130 in association with the customer information. And / or modify the information registration server 100 to provide the payment information processing service registration information from the information registration terminal. It will be possible to infer various implementation methods for storing and registering in the storage medium 130 in association with customer information providing the payment schedule information processing service registration information, but the present invention includes all the implementation methods inferred It is not limited to the implementation method shown in FIG.

Figure 2 is a predetermined information registration interface provided by the information registration server 100 to the information registration terminal payment information processing service registration information (e.g., service application date and / or service application customer information and / or service application history and / Or a service application agreement agreement information, etc.) is included in the interface, and through the information registration interface from the information registration terminal to the information registration server 100 to register the payment scheduled information processing service registration After the information is provided, the information registration server 100 relates to an implementation method of storing and registering the payment information processing service registration information provided in a predetermined storage medium 130 in association with the customer information.

Referring to FIG. 2, when the information registration terminal shown in FIG. 1 is a predetermined network means (eg, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, CDMA-based mobile communication network, and / or IEEE 802.16x-based portable Internet, etc.) to connect to the information registration server 100 to connect a predetermined communication channel for registering the payment information processing service according to the present invention, When requesting a payment scheduled information processing service registration (200), the information registration server 100 generates (or extracts) a predetermined information registration interface for registering the scheduled payment information processing service (205), and establishes the communication channel. The generated (or extracted) interface (or a web page including the interface) is transmitted to the information registration terminal through the output (210).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) the payment schedule information processing service registration information in the information registration terminal.

In addition, the information registration interface (or a predetermined web page including the information registration interface) transmission and / or output process is preferably performed at least once according to the payment schedule information processing service registration procedure according to the present invention, thereby The present invention is not limited.

When the payment schedule information processing service registration information is input (or selected) through the information registration interface for inputting (or selecting) the payment schedule information processing service registration information according to an exemplary embodiment of the present invention, the information registration interface may include the above information. And an interface for inputting (or selecting) service application date and / or service application customer information and / or service application details and / or service application agreement agreement information.

Then, the information registration terminal through the information registration interface payment information processing service registration information including at least one or more service request date and / or service request customer information and / or service request details and / or service application agreement agreement information, etc. Enter (or select) 215.

If the information registration terminal, through the information registration interface, billing information processing service registration information including the service request date and / or service request customer information and / or service request details and / or service application agreement agreement information is entered ( Or) (220), the information registration terminal transmits the payment schedule information processing service registration information to the information registration server 100 through the communication channel (225).

Thereafter, the information registration server 100 receives the payment schedule information processing service registration information through the communication channel, reads the received information (230), and provides the customer with the payment schedule information processing service registration information. The information is checked and stored in the storage medium 130 and registered in association with the customer information (235).

3 is a diagram illustrating a configuration of an information providing system for aggregating payment schedule data of a customer and processing the aggregated customer payment schedule information according to an exemplary embodiment of the present invention.

In more detail, Figure 3 shows a comprehensive and / or periodic management of various payments (e.g., utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by the customer (e.g. Notification, account balance inquiry / notification according to the payment schedule, etc.), the various payment history information of the customer collected from at least one interface providing unit 315 providing predetermined payment history information at a time when the payment history can be counted. According to a predetermined order (eg, primary aggregation, secondary aggregation, etc.), and aggregate the information, and the customer information is divided into the order by the communication means of the customer by the information providing system configuration to provide to the customer For those of ordinary skill in the art to which the present invention pertains, various payment details of the customer may be referred to and modified with reference to FIG. Although it is possible to infer various implementation methods for the configuration of an information providing system for classifying a report by a predetermined order according to a point of time in which payment details can be counted, and providing the same to the customer communication means. It is not limited to the implementation method shown in FIG.

Hereinafter, various payment history information of the customer is collected or received from at least one or more interface provider 315 through a predetermined information collection interface on the information providing system shown in FIG. 3. The components corresponding to at least one or more means and / or functional configurations for classifying the payment history according to a predetermined order and providing the same to the customer communication means are referred to as "information providing server 305" for convenience. do.

Referring to FIG. 3 according to an embodiment of the present invention, an information providing system for dividing a variety of payment history information of a customer by a predetermined order according to a payment history aggregation point, and providing the same to the customer communication means, And an information confirmation terminal and a financial system including at least one wired terminal and / or a wireless terminal used by the customer, wherein the information confirmation terminal is provided on the information providing system through a predetermined network means. The communication channel is connected to the provided information providing server 305.

In addition, the information providing system shown in FIG. 3 may include at least one interface providing unit 315 for providing various payment details of a customer, and the interface providing unit 315 may include the information providing server. The communication channel is connected to 305 through a predetermined network means.

Here, the interface provider 315 may include a financial settlement agency that provides billing-related billing data such as electricity bills and gas bills, a corporation (for example, the National Pension Service Corporation), and a financial institution such as a card company. Characterized in that it comprises at least one or more.

According to an exemplary embodiment of the present invention, the customer provides the information providing server 305 and predetermined network means in order to check or receive various payment history information, which is classified and divided by a predetermined order according to the available point of time. Terminal (e.g., if the information providing server 305 for providing information on the settlement schedule information providing service, etc. according to the present invention is a financial institution server, the terminal may include a counter terminal) and / Or input (or select) the payment schedule information providing request information using a wired terminal and / or a wireless terminal used by the customer as an information confirmation terminal, and the information checking terminal requests the input (or selected) payment schedule information providing request. Information is transmitted to the information providing server 305 provided on the information providing system through the network means, and the information providing server ( It is preferable to receive the payment schedule information of the customer from 305).

In addition, the information confirmation terminal is preferably provided with the payment schedule information of the customer from the information providing server 305 provided on the information providing system through the network means in accordance with the payment history counting time of the customer.

For example, when the information confirmation terminal is a terminal provided in the financial institution visited by the customer (including a window terminal), the network means for connecting the information confirmation terminal and the information providing server 305 may include the information confirmation terminal and the information. It may include a financial network (eg, party network) or a dedicated communication network connecting the communication channel between the providing server 305.

For example, when the information providing system is provided in a predetermined financial institution and / or interworked with a financial institution, the financial network connecting the information checking terminal and the information providing server 305 may provide the client with payment schedule information. It performs the function of the information providing interface to provide.

According to another embodiment of the present invention, the customer is connected to the information providing server 305 through at least one information confirmation terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. If the payment information providing service confirmation information is input (or selected) through at least one information providing interface provided by the information providing server 305, the information checking terminal provides the information through a predetermined network means. It is preferable to transmit to the information providing server 305 provided on the system, and to receive payment schedule information requested by the customer from the information providing server 305.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

In addition, the information providing server 305 connected to the information checking terminal is 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 information checking terminal and network means. One, and / or a separate web server associated with the internet banking server and / or the wireless banking server and / or the telebanking server and / or the TV banking server, and / or for providing payment schedule information of the customer. It is preferable to make it.

In addition, the network means for connecting the information confirmation terminal and the information providing server 305 is a CDMA based mobile communication network and / or IEEE 802.16x based portable Internet and / or according to the type of wireless network connected to the information confirmation terminal It is preferable that any one of DataTAC / Mobitex-based wireless data communication networks and / or include all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the information checking terminal outputs at least one or more information providing interface provided by the information providing server 305, and inputs at least one or more information (for example, payment schedule information providing request information, etc.) through the information providing interface. And / or select and transmit the information to the information providing server 305 or receive the payment information from the information providing server 305 (e.g., a browser program and a communication function, or the information providing server 305). ), A predetermined communication program and a communication function) are preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the information confirmation 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 information providing system, at least one wired network and / or wireless network connecting the information checking terminal and the information providing server 305 including at least one wired terminal and / or wireless terminal used by the customer. Performs a function of an information providing interface for providing payment schedule information of the customer.

According to another exemplary embodiment of the present invention, the information confirmation terminal includes the teller terminal and / or a wired / wireless terminal, and an automatic teller machine connected to a predetermined financial network (eg, a financial common network); ATMs, automated teller machines (not shown), including Cash Dispenser (CD), and / or Public Switched Telephone Network (PSTN), Voice over IP A predetermined call terminal (not shown) connected to a wired telephone network, such as a network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto. .

In the above information providing system, when the information confirmation terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown) and the information providing server 305 The financial network connecting to perform a function of an information providing interface for providing payment schedule information of the customer, and / or when the information confirmation terminal is the call terminal (not shown), the call terminal (not shown) And the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the information providing server 305 perform a function of an information providing interface for providing payment schedule information of the customer, and / or When the information confirmation terminal is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or Server) (network connecting not shown), and the information providing server 305 is performing the functions of the information providing interface for providing payment schedule information of the customer.

The storage medium 130 provided on the information providing system according to the present invention is characterized in that the payment schedule information of the customer provided to the information confirmation terminal and the customer information is stored in association with the storage medium ( The payment schedule information of the customer stored at 130 serves as a basis for comprehensively managing various payments of the customer through the information providing server 305.

According to one embodiment of the invention, the storage medium 130 is provided on the information providing server 305 on the information providing system and / or provided on (or associated with) the information providing system. A predetermined server (e.g., above) provided in a DBMS on a financial system and / or associated with the information providing system (or financial system). Information registration server 100, etc.).

Here, when the storage medium 130 is provided in a DBMS on the financial system, the storage information (eg, payment schedule information, etc.) stored in the storage medium 130 is included in the ledger D / B and / or the It may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 130 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information providing 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.

According to the present invention, the information providing server 305 provided on the information providing system shown in FIG. 3 is connected to the information checking terminal and the interface providing unit 315 through a predetermined network means. Generic terms of the side components may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium included in a predetermined server (or device), The present invention is not limited by this.

According to an embodiment of the present invention, when the information confirming terminal is a teller terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information providing server 305 is configured to provide the information through the predetermined financial network. A ledger server provided on a financial system connected to a teller terminal and / or an automated teller machine (not shown), and / or a server (or device) provided (or linked) to an external world on the financial system, and / or Or it may be a program provided in 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 checking terminal includes a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information providing server 305 is the Internet banking system. A predetermined internet banking server provided on and / or a program provided in the internet banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system; A program provided in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the internet banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information checking terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information providing server 305 is on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information confirmation terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information providing server 305 is on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking 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, by which the present invention is not limited. .

According to another embodiment of the present invention, when the information confirmation terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information providing server 305 is the TV banking system Any server (or device) provided on the TV banking server and / or a program provided on the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV 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.

Referring to FIG. 3, the information providing server 305 may be connected to a financial system through a predetermined interface means or may be provided in the financial system.

Generally, a financial institution is provided with a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

Further, at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the financial institution, and / or at least one affiliated with the financial institution Through at least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, a CD common network) Characterized in that the connection, and provides the non-face-to-face financial transaction services to at least one financial transaction customer through the financial terminal.

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

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

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

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

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

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

Referring to FIG. 3, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the information providing server 305 is characterized in that it comprises an interface unit for connecting and managing a predetermined communication channel with the information checking terminal via the network means.

According to an embodiment of the present invention, when the information confirmation terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit is based on the protocol stack defined in the financial network. By connecting a predetermined communication channel with a teller terminal and / or an automated teller machine (not shown), and using a communication protocol defined in a financial transaction related program included in the teller terminal and / or the teller machine (not shown), at least It is desirable to provide a communication interface for providing one or more information (or data) (eg, payment information, etc.).

According to another exemplary embodiment of the present invention, when the information confirmation terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit may be connected to the wired network and / or the wireless network. At least one information (or data) (eg, payment is scheduled) by connecting a predetermined communication channel with the information confirmation terminal based on a defined protocol stack, and using a communication protocol defined in a communication program provided in the information confirmation terminal. It is desirable to provide a communication interface for providing information).

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

Alternatively, when the information confirmation terminal is provided with a communication program (eg, an internet banking program) provided by the information providing server 305, the interface unit establishes a communication channel with the information confirmation terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information confirmation terminal includes a wireless terminal connected to a predetermined wireless network, the interface unit is based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information checking 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 information confirmation terminal, the interface unit connects a communication channel with the information confirmation terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Alternatively, when the information confirmation terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information providing server 305, the interface unit communicates with the information confirmation terminal based on the CDMA 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 embodiment of the present invention, when the information confirmation terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit is a voice call defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 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 provide a communication interface for transmitting and receiving information based on voice recognition. .

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

Referring to FIG. 3, the information providing server 305 is connected with the storage medium 130 and / or the ledger database, and provides payment related information (eg, payment date, payment item, payment account, etc.) of the customer and at least one or more. An information collector 345 which collects (or confirms) payment history information (eg, payment amount) of the customer from the interface providing unit 315, and the collected payment information and payment history information; Based on the information, the information aggregation unit 340 for aggregating the payment schedule information of the customer for a predetermined time point, and the information providing unit 320 for providing the aggregated customer payment schedule information to the customer terminal (or communication means). And an information storage unit 325 storing the customer payment schedule information in the storage medium 130 in association with the customer information.

In addition, the information providing server 305 shown in Figure 3, when a predetermined information confirmation terminal is connected to the information providing server 305 through the interface unit, in conjunction with the interface unit the information confirmation terminal in the Generate (or extract) a predetermined information providing interface for inputting (or selecting) payment schedule information request information, and providing (or extracting) a predetermined information providing interface for providing customer payment schedule information corresponding to the payment schedule information request. It may be configured to further include an interface providing unit.

When the information providing terminal is connected to the information providing server 305 through the interface unit, the interface providing unit inputs (or selects) the payment schedule information request information corresponding to the function configuration provided in the information providing terminal, Generate a predetermined information providing interface that can be transmitted to the information providing server 305 via a network means, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit. And provide the provided information providing interface to the information checking terminal through the network means.

When the payment schedule information request information is input (or selected) through the information providing interface for inputting (or selecting) the payment schedule information request information according to an exemplary embodiment of the present invention, the information providing interface may include a payment scheduled time and a payment. It may be configured to include an interface for inputting (or selecting) information request information on detailed items such as a predetermined period and a payment account.

Thereafter, the information confirmation terminal inputs (or selects) the payment schedule information request information based on the information providing interface, and inputs the input (or selected) payment schedule information request information through the network means to the information registration server. And transmits payment schedule information corresponding to the payment schedule information request from the information providing server 305.

According to an embodiment of the present invention, when the information confirmation terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit is a browser program provided in the information confirmation terminal. And / or generate (or extract) a predetermined information providing interface that can be provided to the communication program, and provide the generated (or extracted) information providing interface to the information checking terminal through the interface unit.

According to another exemplary embodiment of the present invention, when the information confirmation terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit may provide a browser program and / or a communication program provided in the information confirmation terminal. It is preferable to generate (or extract) the information providing interface of and provide the generated (or extracted) information providing interface to the information checking terminal through the interface unit.

According to another exemplary embodiment of the present invention, when the information confirmation terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may be provided to the call terminal (not shown). It is preferable to generate (or extract) an information providing interface and provide the generated (or extracted) information providing interface (eg, ARS based user interface) to the information checking terminal (call terminal) through the interface unit.

In addition, the information providing server 305 shown in FIG. 3 corresponds to a predetermined point in time when the payment schedule information of the customer based on the customer payment related information and the payment history information through the information aggregation unit 340. When the data is aggregated, the account inquiry unit 335 checks whether the payment for the expected payment amount included in the payment schedule information is possible using the balance of the customer payment account by querying the customer payment account at the time of aggregation. Can be configured to

According to the exemplary embodiment of the present invention, whether or not an expected payment amount for the payment account balance confirmed through the account inquiry unit 335 is possible is provided to the information confirmation terminal through the information providing interface, and / or the Preferably, the payment schedule information is provided together with the payment schedule information to the customer communication means.

According to the exemplary embodiment of the present invention, the information collecting unit 345 may include a predetermined storage medium provided with the customer payment related information in the information providing server 305 or in association with the information providing server 305 ( If it is stored in the 130, and collects (or confirms) the payment-related information including the payment item, the payment account, the payment date, etc. of the customer from the storage medium 130, the collected payment-related information It passes to the information aggregation unit 340.

In addition, according to another embodiment of the present invention, the information collection unit 345, if the customer related information is stored in the ledger DB of the financial system linked with the information providing server 305, the financial system And collect (or confirm) payment related information including the payment item, the payment account, the payment date, etc. of the customer from the ledger DB, and collect the collected payment related information from the information aggregation unit 340. To pass.

In addition, the information collecting unit 345 collects payment history information (eg, payment amount, etc.) of the customer from at least one or more interface providing unit 315, and collects the collected customer payment history information from the information aggregation unit ( It is characterized in that the transmission to.

Here, the payment history information provided by the information collecting unit 345 from the at least one interface providing unit 315 may be collected at various times according to the interface providing unit 315 from one business day before the payment to the afternoon of the payment. have.

For example, in the case of billing information provided by the KFTC, it is provided to the information collection unit 345 in the morning of the first business day of payment. Can be provided.

The information aggregator 340, customer payment related information (e.g., payment date, payment item, payment account, etc.) collected (or confirmed) through the information collection unit 345 and payment history information (e.g., When payment amount, etc.) is delivered, the payment schedule information of the customer is aggregated for each predetermined time point.

According to an exemplary embodiment of the present invention, the information aggregator 340 aggregates payment schedule information of the customer at a point in time before the scheduled payment date of the customer and / or the day of the scheduled payment date of the customer. do.

For example, when the deposit / trust deposit payment (or transfer) date of the customer is the 10th of every month, the information aggregator 340 sets the deposit / trust deposit payment (9 days before the payment (or transfer) date). Or transfer) amount information may be aggregated into payment schedule information according to the present invention, wherein the aggregated customer payment schedule information is provided through the information providing unit 320 to the customer communication means (eg, e-mail or SMS (MMS)). , Blogs, landlines, mobile phones, etc.) is desirable.

According to another exemplary embodiment of the present invention, the information aggregator 340, in the process of aggregating payment schedule information of the customer at a point in time before the scheduled payment date of the customer and / or the day of the scheduled payment date of the customer. When there is at least two or more pieces of payment history information having the same scheduled payment date, the at least two pieces of payment history information are collected to aggregate payment schedule information of the customer.

For example, when the customer's card payment (or transfer) date and apartment management fee payment (or transfer) date is 15th of each month, the information aggregator 340 is 14 days before the payment (or transfer) date. Payment (or transfer) amount information and apartment management fee payment (or transfer) amount information can be aggregated as payment schedule information according to the present invention, the aggregated customer payment schedule information is the customer through the information providing unit 320 It is desirable to provide by communication means (eg, e-mail, SMS (MMS), blog, landline phone, mobile phone, etc.).

According to an embodiment of the present invention, the information aggregation unit 340 may be sequentially (eg, primary aggregation, secondary aggregation, or the like) according to the time point (or time) at which the corresponding payment history information is provided from the interface providing unit 315. Third payment, etc.);

For example, the first aggregation may be an aggregation of payment history information collected until 16:00 before one business day of payment, and the payment history information includes automatic payment of utility bills, national pension, deposit / payment due date, payment of payer, Loan interest and the like.

In addition, the second aggregation may be an aggregation of payment history information collected from 16:00 to 18:00 on the first business day of settlement, and the settlement history information may include a settlement source CMS, our CMS, an EDI department store, and the like. Can be.

The information providing unit 320, when the customer billing schedule information is aggregated through the information aggregator 340, characterized in that to provide the aggregated customer billing schedule information to the customer communication means.

According to an embodiment of the present invention, the information providing unit 320 provides the aggregated customer payment schedule information to the customer communication means (eg, e-mail, SMS, landline, mobile phone, blog, note, messenger, etc.). In the process, in conjunction with the account inquiry unit 335, characterized in that it further provides whether or not to pay (or transfer) for the aggregated payment amount as the balance of the customer payment account.

In addition, when the customer payment schedule information is aggregated through the information aggregator 340, the information providing unit 320 links the customer payment schedule information with the customer information in association with the information storage unit 325. And store the information on the storage medium 130 in association with the customer, and requesting the customer to look up the details of the customer payment schedule information through the information checking terminal, and confirming the customer payment schedule information through the information providing interface. Characterized in that provided to the terminal.

Here, in the process of providing the aggregated customer payment schedule information to the information confirmation terminal, the information providing unit 320 interlocks with the account inquiry unit 335, and the aggregated payment as the balance of the customer payment account. It is characterized by further providing whether the payment (or transfer) for the payment.

In addition, the information providing unit 320 when the payment processing history of the customer is aggregated according to the customer payment schedule information through the information aggregator 340, the payment processing history is the customer communication means and / or the information Characterized in that provided to the confirmation terminal.

In addition, the information providing server 305 shown in FIG. 3, after the customer payment schedule information is provided through the information providing unit 320, confirms whether the customer receives the payment schedule information provided to the customer. If reception of payment schedule information is not confirmed, the information providing unit 320 may further include an information confirmation unit 330 for retransmitting the payment schedule information.

For example, when the payment schedule information provided to the customer includes the balance shortage of the customer payment account, when the customer does not check the payment history information, the customer may be disadvantaged due to the outstanding balance due to the lack of the balance. Since the information providing unit 320 does not confirm receipt of payment schedule information of the customer, the information providing unit 320 retransmits the payment schedule information through the information providing unit 320.

4A and 4B illustrate a configuration of customer ledger information in which customer payment related information is stored for providing customer payment schedule information according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show customer payment related information required for generating the customer payment schedule information in order to aggregate and provide customer payment schedule information to the corresponding customer through the information providing system shown in FIG. For example, a payment date, a payment item, a payment account, etc.) is stored (and / or linked) in the customer ledger and / or stored in a predetermined database associated with the customer ledger. In detail, FIG. 4A illustrates an implementation method in which the customer payment related information (eg, payment date, payment (service) item, payment account, etc.) is stored in association with the customer ledger, and FIG. Customer payment related information (e.g., payment date, payment item, payment account, etc.) is stored in a predetermined database associated with the customer ledger It's about how.

Those skilled in the art to which the present invention pertains can perform various embodiments in which the customer payment related information (eg, payment date, payment item, payment account, etc.) is stored by referring to and / or modifying the drawings 4a and 4b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

Referring to Figure 4a, 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, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to Figure 4a, the customer ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It is relationally processed with a predetermined ledger (or ledger) that includes at least one or more individual interest rate reference and the date of final interest calculation, etc., and the ledger (or ledger) includes account number, withdrawal (months), period ( Number of days), periodic reception information including at least one term extension, expiration date and target amount, and / or trust including at least one account number, deposit amount, par value, pension date and number of shares corresponding to the account ledger. Receiving information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), combination transaction, date of payment, bank account line, Briefly, transactional information including at least one or more including CIF is processed in relational relations, etc. If one of ordinary skill in the art to which the present invention belongs, the ledger to be processed in relation to the customer ledger is the reception ledger ( It will be clearly understood that other types of ledgers (eg, loan ledgers, collateral ledgers, securities ledgers, remittance ledgers, funds ledgers, customer ledgers, etc.) may also be included in addition to the general ledger). Since at least one or more additional information processed in conjunction with the ledger of the obvious will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, referring to FIG. 4a, the customer ledger includes financial information including at least one CIF number, year, B / S amount, P / L amount, manufacturing cost amount, and financial ratio, and / or CIF number, period, loan amount. Analysis of profitability, including at least one or more of the balance, fund contribution rate, credit code, credit balance, credit interest, and / or CIF number, year, cash inflows, cash revenue, cash flows, cash flows, cash flows Additional information, such as cash flow information, including at least one or more amounts is processed. If the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is the financial information, profitability analysis. In addition to the information and cash flow information, other types of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, area code information, group) Code information, postal code information, limit information per customer information file (CIF), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.) Detailed description thereof will be omitted for convenience.

In FIG. 4A according to a preferred embodiment of the present invention, the customer payment related information (eg, payment date, payment item, payment account, etc.) is stored in the form of additional information processed in connection with the customer ledger. The related information (e.g., payment date, payment item, payment account, etc.) includes a CIF number for linking the customer payment related information (e.g., payment date, payment item, payment account, etc.) with the customer ledger, payment date information, payment ( Service) item information, payment account information, payment schedule information providing service registration information, and the like preferably comprises at least one or more.

The payment schedule information providing service registration information included in the customer payment related information (eg, payment date, payment item, payment account, etc.) includes information for confirming that the customer has agreed to the payment schedule information providing service according to the present invention. Is done.

* In addition, payment (service) item information included in the customer payment related information (eg, payment date, payment item, payment account, etc.) is information indicating a service company to which the payment information providing service according to the present invention is applied. When the payment (service) item information is set to "ALL", the payment schedule information providing service may be applied to the payment of all service providers affiliated to apply the payment schedule information providing service.

Referring to FIG. 4B, customer payment related information (eg, payment date, payment item, payment account, etc.) for the payment schedule information providing service is processed in association with a CIF number corresponding to the customer ledger and stored in a predetermined database. The customer payment related information (eg, payment date, payment item, payment account, etc.) stored in the database may be processed in relation to the customer ledger stored in the ledger D / B.

The customer payment related information (eg, payment date, payment item, payment account, etc.) may include at least one or more payment date information, payment (service) item information, payment account information, payment schedule information providing service registration information, and the like. .

5 is a diagram illustrating a process of aggregating customer payment schedule information and providing the same to the customer communication unit according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates various payments (eg, utility bills, deposits / charges, card payments, interest payments, CMS, etc.) to be performed by the customer in the information providing server 305 on the information providing system shown in FIG. At least one interface providing unit 315 for providing predetermined payment history information in order to comprehensively and / or periodically manage (eg, check / notify the customer's payment schedule, and check / notify the account balance according to the payment schedule). A variety of payment history information collected from the customer is classified according to a predetermined order (eg, primary aggregation, secondary aggregation, etc.) according to a settlement time point of time, and the aggregated customer settlement schedule information is collected. As a method for providing to the customer separated by the order by the communication means of the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying page 5, the information providing server 305 may infer various implementation methods for aggregating and providing the customer settlement information to the corresponding customer. It is not limited to the implementation method shown in FIG.

Referring to FIG. 5, the illustrated customer payment schedule information aggregation and providing process includes the first aggregation target payment history information from at least one interface providing unit 315 in the information providing server 305 shown in FIG. 3. 500 may be started from the receiving process.

Here, the interface provider 315 may include a financial settlement agency that provides billing-related billing data such as electricity bills and gas bills, a public corporation (eg, the National Pension Service Corporation), card companies, securities companies, and the like. It characterized in that it comprises at least one financial institution.

When the first aggregation target payment history information is received from the interface provider 315, the information providing server 305 checks the customer information corresponding to the received first aggregation target payment history information (502). Customer payment related information (eg, payment account, payment date, payment price, etc.) corresponding to the confirmed customer information is extracted from the storage medium 130 or the customer ledger DB (504).

According to the exemplary embodiment of the present invention, when the customer payment related information is provided in the information providing server 305 or stored in a predetermined storage medium 130 interoperating with the information providing server 305, The information providing server 305 collects (or confirms) payment related information including the payment item, the payment account, the payment date, etc. of the customer from the storage medium 130.

In addition, according to another embodiment of the present invention, the information providing server 305, when the customer-related information is stored in the ledger DB of the financial system linked with the information providing server 305, the financial system In conjunction with and collects (or confirms) payment-related information including the payment item, payment account, payment date, etc. of the customer from the ledger DB.

When the customer payment-related information is collected (or confirmed), the information providing server 305 aggregates the payment schedule information based on the extracted customer-specific payment history information (primary aggregation) 506, where the information is provided. The server 305 collects customer payment related information (eg, payment date, payment item, payment account, etc.) collected (or confirmed) from the storage medium 130 and / or the ledger DB and the interface provider 315 ( Or check) the customer's payment history information (for example, payment amount) and collect payment schedule information including the total amount, payment item, etc. to be paid by the customer at a specific time (for example, a specific date).

According to the exemplary embodiment of the present invention, the information providing server 305 may aggregate payment schedule information of the customer at a point in time 1 day before the scheduled payment date of the customer and / or the day of the scheduled payment date of the customer.

In addition, the information providing server 305 when the customer billing schedule information is aggregated, inquires the customer's billing account balance (508), and compares the customer billing account balance and the aggregated billing scheduled information whether the balance is insufficient. Determine (510).

At this time, if the balance of the payment account is insufficient, if payment of the payment amount according to the payment schedule information is impossible due to the customer payment account balance (512), the information providing server 305 is the payment schedule information and payment account. The balance shortage is transmitted to the customer communication means (first transmission) (514).

On the other hand, if there is no shortage of the balance of the payment account, and the payment of the payment amount according to the payment schedule information is sufficiently possible with the customer payment account balance (512), the information providing server 305 reads the scheduled payment information. Transfer to the customer communication means (primary transfer) (516).

In addition, the information providing server 305 checks whether the received payment schedule information and the balance shortage of the payment account of the customer received (518), for example, the payment schedule information provided to the customer of the customer payment account When the balance is included, when the customer does not check the payment history information, the customer may be disadvantaged due to unpaid due to insufficient balance, the information providing server 305 is scheduled to pay the customer If the reception of the information is not confirmed, it is preferable to retransmit the payment schedule information.

If the customer has not confirmed the balance of the payment information and the payment shortages of the transmitted account (520), the information providing server 305 communicates the payment shortage of the payment schedule information and payment account to the customer communication Resend by means.

According to an embodiment of the present invention, the information providing server 305 may change and transmit the communication means of the customer in the process of retransmitting the scheduled payment information and the balance shortage of the payment account to the customer communication means. .

For example, if the payment shortage information of the payment schedule information and the payment account was transmitted to the customer's e-mail, and the customer did not check the mail, the information providing server 305 may provide the payment shortage information and the balance shortage of the payment account. Can be re-sent to the customer cell phone as a text message.

On the other hand, if the customer has confirmed the balance of the shortage of the payment information and the payment account sent, the information providing server 305 after the payment processing time point according to the payment information, the payment schedule information If the payment processing is successfully performed (522), and if the payment processing according to the payment schedule information was successfully performed (524), the information providing server 305 transmits the payment processing details to the customer communication means. (526).

On the other hand, if the payment processing according to the payment schedule information is not successfully performed, the information providing server 305 may transmit the outstanding payment details to the customer communication means (528).

For example, when the payment schedule information is provided to the customer communication means, the balance of the customer payment account is sufficient, but between the time of providing the payment schedule information and the time of the actual payment according to the payment schedule information, the deposit of the customer If withdrawal or other payment is performed, payment processing according to the payment schedule information may not be completed.

According to another exemplary embodiment of the present invention, payment schedule information is provided to the customer communication means as in the above process, and thereafter, before the actual payment is made according to the payment schedule information (eg, morning of the payment day), the information is provided. The server 305 may again check the customer payment account balance to check whether payment for the payment amount according to the customer payment schedule information may be performed, and provide the details to the customer communication means. .

Thereafter, when the information providing server 305 receives the second aggregation target payment history information from the at least one interface providing unit 315 (530), the information providing server 305 receives the second aggregation target payment. Check the customer information corresponding to the historical information (532), and the customer payment-related information (for example, payment account, payment date, payment price, etc.) corresponding to the confirmed customer information from the storage medium 130 or the customer ledger DB Extract (534).

According to the exemplary embodiment of the present invention, when the customer payment related information is provided in the information providing server 305 or stored in a predetermined storage medium 130 interoperating with the information providing server 305, The information providing server 305 collects (or confirms) payment related information including the payment item, the payment account, the payment date, etc. of the customer from the storage medium 130.

In addition, according to another embodiment of the present invention, the information providing server 305, when the customer-related information is stored in the ledger DB of the financial system linked with the information providing server 305, the financial system In conjunction with and collects (or confirms) payment-related information including the payment item, payment account, payment date, etc. of the customer from the ledger DB.

As described above, when the customer payment related information is collected (or confirmed), the information providing server 305 aggregates the payment schedule information based on the extracted customer-specific payment history information (secondary aggregation) 536, where The information providing server 305 may provide customer payment related information (eg, payment date, payment item, payment account, etc.) collected (or confirmed) from the storage medium 130 and / or the ledger database and the interface providing unit 315. Collect payment information (e.g., payment amount) of the customer collected (or confirmed) from the customer and collect payment schedule information including the total amount, payment item, etc. that the customer will pay at a specific time (e.g., a specific date); Can be.

In addition, the information providing server 305 checks the outstanding balance among the first aggregated settlement schedule information, and if there is an outstanding balance among the primary aggregated settlement schedule information, the outstanding portion and the secondary aggregated settlement schedule information. In operation 538, the customer's payment account balance is inquired, and the customer's payment account balance is compared with the collected payment schedule information to determine whether the balance is insufficient (540).

Here, if the balance of the payment account is insufficient, and payment of the payment amount according to the payment schedule information is not possible due to the balance of the customer payment account (542), the information providing server 305 of the payment schedule information and the payment account; The balance shortage is transmitted to the customer communication means (secondary transmission) 544.

On the other hand, if there is no shortage of the balance of the payment account, and the payment of the payment amount according to the payment schedule information is sufficiently possible with the customer payment account balance (542), the information providing server 305 reads the scheduled payment information. Transfer to the customer communication means (secondary transmission) (546).

Thereafter, the information providing server 305 checks whether the received payment schedule information and the balance of the shortage of the payment account are received by the customer (548), for example, in the payment schedule information provided to the customer, of the customer payment account. When the balance is included, when the customer does not check the payment history information, the customer may be disadvantaged due to unpaid due to insufficient balance, the information providing server 305 is scheduled to pay the customer If the reception of the information is not confirmed, it is preferable to retransmit the payment schedule information.

If the customer fails to check the balance of payment information and the balance of the payment account transmitted 550, the information providing server 305 communicates the balance of the payment information and the balance of the payment account to the customer. Resend by means.

According to an embodiment of the present invention, the information providing server 305 may change and transmit the communication means of the customer in the process of retransmitting the scheduled payment information and the balance shortage of the payment account to the customer communication means. .

For example, if the payment shortage information of the payment schedule information and the payment account was transmitted to the customer's e-mail, and the customer did not check the mail, the information providing server 305 may provide the payment shortage information and the balance shortage of the payment account. Can be re-sent to the customer cell phone as a text message.

On the other hand, if the customer has confirmed the balance of the shortage of the payment information and the payment account sent, the information providing server 305 after the payment processing time point according to the payment information, the payment schedule information If the payment processing is successfully performed (552), and if the payment processing according to the payment schedule information is successfully performed (554), the information providing server 305 transmits the payment processing details to the customer communication means. (556).

Here, if the payment processing according to the payment schedule information is not successfully performed, the information providing server 305 may transmit the outstanding payment details to the customer communication means (558).

As described above, the balance of the customer's payment account was sufficient at the time when the payment schedule information was provided to the customer communication means, but between the time of providing payment schedule information and the actual payment according to the payment schedule information, If the customer's deposit withdrawal or other payment is performed, payment processing according to the payment schedule information may not be completed.

According to another exemplary embodiment of the present invention, payment schedule information is provided to the customer communication means as in the above process, and before the actual payment is made according to the payment schedule information (for example, the morning of the payment day), the information is provided. The providing server 305 may again check the customer payment account balance to check whether payment for the payment amount according to the customer payment schedule information may be performed, and provide the details to the customer communication means. have.

Figure 6 is a view showing the full text for processing the aggregated customer payment schedule information, the customer's payment schedule data aggregated according to an embodiment of the present invention.

More specifically, FIG. 6 comprehensively and / or periodically manages various payments (eg, utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by a customer on the information providing system shown in FIG. For example, the customer's various information collected from at least one or more interface provider 315 for providing predetermined payment history information, for example, to check / notify the customer's payment schedule, and to check / notify the account balance according to the payment schedule. The billing history information is classified according to a predetermined order (for example, the first aggregation, the second aggregation, etc.) according to the point of time when the payment history can be counted, and the aggregated customer payment schedule information is separately processed by the order by the communication means of the customer. As described with reference to the embodiment of the predetermined contents for those of ordinary skill in the art to which the present invention pertains, reference is made to FIG. 6 and / or In other words, it is possible to infer the full text for the aggregate processing of the customer billing information on the information providing system, but the present invention includes all the inferred embodiments, not limited to the embodiment shown in FIG. No.

Referring to FIG. 6, the illustrated full text includes a full text item and details corresponding to the full text item. The full text item includes a service classification code, a CIF number, a social security number, a name, and a payment account number. It may include, but is not limited to, the purpose account number, the scheduled date of payment, the service provider, the service contents, the payment amount, the data counting time, and whether the interest rate fluctuation month.

Here, the service classification code, each service classification code, such as utility bills, national pension, loan interest, etc., the payment account number includes the account number from which the funds are withdrawn, the target account number is due to date transfer, deposit / installment The payment account number (for loan interest, loan account number), the scheduled payment date includes the date that the funds will be withdrawn from the payment account, and the service provider includes the payment target company (e.g. Shinhan Bank, SK Telecom, etc.), the content of the service includes the service subject to payment (e.g. due date, loan interest, mobile telecommunication fee, etc.), and data aggregation time includes data aggregation time (e.g. yy / mm / dd hh: mm: ss) can be configured.

7 is a diagram illustrating an example of a wireless terminal screen providing payment schedule data of a customer to the customer wireless terminal according to an exemplary embodiment of the present invention.

In more detail, Figure 7 shows a comprehensive and / or periodic management of various payments (e.g., utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by the customer (e.g. Notification, account balance inquiry / notification according to the payment schedule, etc.), and various payment history information of the customer collected from at least one interface providing unit 315 providing predetermined payment history information. According to an embodiment of the present invention, the present invention is classified according to a predetermined order (eg, primary aggregation, secondary aggregation, etc.) and provides the aggregated customer payment schedule information to the wireless terminal of the customer. Those skilled in the art may refer to and / or modify this drawing to convert the aggregated customer payment information on the information providing system. Would be able to infer the embodiment to provide a client-based mobile terminal, the present invention includes all embodiments in which the inference, not limited to the embodiment shown in the figure 7.

Referring to FIG. 7, the illustrated embodiment is for an embodiment in which payment schedule information of the customer is provided to the customer wireless terminal in the form of Short Message Servic (SMS), and the customer payment is provided to the SMS provided to the customer wireless terminal. It may be configured to include account information, balance information, payment amount information, payment balance availability information, and the like.

In addition, the SMS provided to the customer wireless terminal may further include details of payment schedule information.

According to another exemplary embodiment of the present invention, the SMS provided to the customer wireless terminal further includes server connection information (eg, callback UEL, etc.) for more detailed information on the payment schedule information or financial transaction for insufficient payment balance. Can be configured.

8 is an exemplary view of an e-mail screen for providing customer payment schedule data to the customer e-mail according to one embodiment of the present invention.

In more detail, Figure 8 shows a comprehensive and / or periodic management of various payments (e.g., utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by the customer (e.g. Notification, account balance inquiry / notification according to the payment schedule, etc.), and various payment history information of the customer collected from at least one interface providing unit 315 providing predetermined payment history information. According to an embodiment of the present invention, the present invention is classified according to a predetermined order (eg, primary aggregation, secondary aggregation, etc.) and provides the aggregated customer settlement schedule information by an e-mail of the customer. Those skilled in the art may refer to and / or modify this drawing to obtain the aggregated customer payment information on the information providing system. Would be able to infer the embodiment to provide a client-based e-mail, the present invention includes all embodiments in which the inference, not limited to the chamber time is it shown in this figure 8.

Referring to FIG. 8, the illustrated embodiment is for an embodiment in which payment schedule information of the customer is provided to the customer e-mail, and the e-mail includes information on the date of the payment schedule, payment account information, payment schedule information, It may be configured to include payment schedule details information, and further includes link information for accessing a server (eg, a financial transaction server, etc.) providing the payment schedule information for more detailed payment history check (or inquiry), Can be configured.

9 is a diagram illustrating a system configuration for providing payment schedule information to predetermined customers connected to a financial institution through a non-face-to-face channel according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 shows an Internet banking server based on a network (eg, the Internet) based on a Transmission Control Protocol / Internet Protocol (TCP / IP) of a financial transaction system operated by a financial institution customer terminal. 900 and the communication channel for internet banking, the connected customer information is delivered to a predetermined information providing server 305, the customer payment schedule information corresponding to the customer information to extract the Internet banking server 900 A method for providing an information providing system for providing the extracted customer payment schedule information to a customer terminal connected to a terminal, the information providing system comprising: at least one financial institution client terminal having a web browser; In the process of providing the Internet banking service from the terminal, the connected customer information to the information providing server 305 In addition, the Internet banking server 900 receives the customer payment schedule information corresponding to the customer information provided from the information providing server 305 to provide to the customer terminal, and the received from the Internet banking server 900 And an information provision server 305 which extracts (or confirms) customer settlement schedule information corresponding to the access customer information from the storage medium 130 and provides the Internet banking server 900 to the Internet banking server 900.

According to an embodiment of the present invention, the Internet banking server 900 corresponds to the financial system for processing the financial business required to provide the Internet banking service through a predetermined interface means and the customer information connected to the customer terminal. It is associated with an information providing server 305 for providing customer payment schedule information.

Those skilled in the art to which the present invention pertains can easily guess the elements omitted for convenience because they do not include the core technical matters of the present invention in the information providing system shown in FIG. The present invention is not limited to the omitted elements.

For example, FIG. 9 illustrates a connection between the customer terminal and the Internet banking server 900 based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal. In the process of initiating or processing a predetermined financial transaction using Internet banking, the customer payment schedule information corresponding to the access customer information provided from the information providing server 305 to the customer terminal connected to the internet banking server 900. Although an implementation method of an information providing system for providing is illustrated, those of ordinary skill in the art may refer to an internet banking-based financial transaction channel connection method using a browser program shown in FIG. Or modify a predetermined Internet banking program mounted on the customer terminal On the other hand, the customer payment schedule information corresponding to the customer information provided from the information providing server 305 in the process of initiating or processing a predetermined financial transaction using the Internet banking between the customer terminal and the Internet banking server 900. It includes an information providing system for providing to the customer terminal connected to the Internet banking server 900, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the information providing system by referring to and / or modifying the configuration of the information providing system shown in FIG. Although it may be possible to infer an information providing system using another banking service such as telebanking and / or wireless banking and / or TV banking, in FIG. 9, the information providing system using the internet banking will be described. It is noted that the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The customer terminal is a desktop having at least one web browser for receiving a wired web service based on the browsing by accessing the Internet banking server 900 based on the wired communication function based on TCP / IP and the wired communication function ( Desktop) characterized in that it comprises a wired terminal including at least one computer and / or a notebook (Notebook), the Internet banking server 900 through a predetermined network means including the TCP / IP-based Internet And a communication channel for internet banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. Interface modules corresponding to the middleware platform that provides inter-component interfacing, and DBMS including at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in an existing financial system. (DataBase Management System), and according to the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (city O), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may Since the technical details of the system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

In addition, the Internet banking server 900 is interlocked with the financial system through the external system, and for this purpose, the external system includes a component for interworking with the Internet banking server 900 through a predetermined interface means. It is preferable to make.

The internet banking server 900 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one customer terminal, and / or the financial system And a DBMS including a database for storing Internet banking information required for providing a predetermined Internet banking service in connection with the data server, or interworking with a data server provided with the DBMS according to an embodiment. Thereby, a predetermined internet banking service is provided to at least one of the customer terminals.

In particular, the Internet banking server 900 transmits the connected customer information (for example, authenticated customer information) to the information providing server 305 when a predetermined customer terminal is connected, and corresponds to the delivered customer information. Characterized in that the payment information is provided from the information providing server 305, the customer payment schedule information provided from the information providing server 305 in the process of providing a predetermined Internet banking service to the customer terminal; Characterized in that provided to the customer terminal.

To this end, the Internet banking information is at least one customer terminal authenticates the customer corresponding to the customer terminal when accessing and logging in to the Internet banking server 900, and / or the customer is the Internet banking server 900 Customer authentication for authenticating the financial transaction customer during at least one financial transaction through, and / or authenticating a customer subscribing to the financial product when the customer subscribes to at least one financial product through the Internet banking server 900. Information and banking element information for processing a financial transaction corresponding to the financial transaction request by interworking with the financial system when the financial transaction is requested from the customer through the customer terminal. At least one or more information required for Internet banking may be further included. This costume will be omitted.

Referring to FIG. 9, the internet banking server 900 may establish a hyper-text transfer protocol (HTTP) based communication channel for providing a predetermined internet banking service (or an internet banking supplementary service) to at least one or more customer terminals. The web interface unit 905 for connection and management, and the connected customer information (or customer authentication information) to the information providing server 305 through the interface means, from the information providing server 305 to the customer A web page to be provided to at least one or more of the customer terminals by interworking with the information operation unit 940 that receives payment schedule information corresponding to the information, the web interface unit 905, the DBMS, and the information operation unit 940. A predetermined internet banking service (and / or a predetermined additional service) to at least one or more customer terminals in conjunction with the webpage operating unit 915 to operate and the webpage operating unit 915. And a UI processing unit 910 for generating a user interface (UI) screen for providing, based on HTTP between the customer terminal and the internet banking server 900 by the function configuration. A communication channel and a user interface for processing Internet banking are implemented.

In addition, the Internet banking server 900, in conjunction with the UI processing unit 910 extracts a predetermined content for providing the Internet banking service from the DBMS provided in the Internet banking server 900, or the customer terminal It may be configured to further include a content management unit 920 for receiving a predetermined content to be stored in the DBMS from.

In addition, the Internet banking server 900 is connected to the web page operation unit 915 through the UI processing unit 910 based on the customer authentication information of the Internet banking information to the at least one customer terminal interface screen It may be configured to further include a customer authentication unit 925 provided with at least one or more customer authentication information based on the interface screen.

In addition, the Internet banking server 900 is connected to the web page operation unit 915 through the UI processing unit 910 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one customer terminal It may be configured to further include a banking processing unit 930 provided with at least one or more financial transaction-related information on the basis of the interface screen.

In addition, the Internet banking server 900 further includes a ledger processing unit 935 (not shown) to perform a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system through a predetermined interface means. It may be configured to include, the ledger processing unit 935 is preferably connected to the external world of the financial system through the interface means.

The customer authentication information stored in the DBMS includes at least one ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of the customer accessing the Internet banking server 900 through the customer terminal. It is preferable to include the member information, wherein the customer authentication unit 925 interoperates with the UI processing unit 910 to request the ID / PW information of the customer to the customer terminal, the ID from the customer terminal Receives / PW information, and compares the received ID / PW information and the ID / PW information included in the member information to authenticate the customer connected to the Internet banking server 900, the authenticated customer information (Or customer authentication information) is characterized in that for transmitting to the information operation unit 940. The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

Preferably, the ID / PW information may be provided to the Internet banking server 900 according to a conventional ID / PW transmission and reception procedure, but in order to provide a more advanced security function, the ID / PW information is symmetrical in the customer terminal. It is preferable that the data is encrypted and received through at least one or more of a key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. The customer authentication unit 925 may further comprise a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (for example, KFTC) and certificate server information, and / or the certificate registration authority information (issuing a predetermined certificate issued to a customer connected through the customer terminal) For example, if the official certificate is registered through the party, the information of the party, the other information when the official certificate is registered through the other line, etc.), and / or the certificate information issued to the customer by the certification body is further included. Preferably, at this time, the customer authentication unit 925 by requesting the authentication certificate based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, by receiving the result of the customer authentication from the authentication server , May authenticate the customer, and the authenticated customer information (or customer authentication information) to the information operation unit 940. It is characterized by transmitting. The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

In addition, the customer authentication unit 925 provides the communication session information and the certificate information connected to the customer terminal to the authentication server (not shown) of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, the result may be provided to the customer authentication unit 925.

In addition, the customer authentication information stored in the DBMS is made of a copy of the authentication certificate of the customer accessing the Internet banking server 900 through the customer terminal, and / or issued a predetermined certificate to the customer It is preferable to include the directory connection information of the certification authority, wherein the customer authentication unit 925 is a certificate-based customer information to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Request the certificate, receive the certificate-based customer information from the customer terminal, and authenticate the customer by authenticating the certificate-based customer information through a copy of the certificate and / or a certification authority, and the authenticated Customer information (or customer authentication information) is characterized in that for transmitting to the information operation unit 940. The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 925, or a predetermined random number generated by the customer terminal, in which case the customer terminal is the official certificate through the certificate The random number is encrypted using at least one or more of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. 925) (e.g., if the random number is generated in the customer terminal, further includes a random number in plain text), and is extracted from the copy of the certificate of the customer and / or from the directory by the customer authentication unit 925. Decrypt the random numbers encrypted based on the certificate information of the customer and compare them with each other, and / or the random number in the plain text form (eg, the high By encrypting and comparing the random number generated in the authentication unit 925 and / or the random number generated in the customer terminal), the customer may be authenticated, and the authenticated customer information (or customer authentication information) may be operated. Characterized in that the transfer to the portion (940). The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the Internet banking server 900, and / or the Information (or system information) previously stored in the customer terminal, and / or storage information (eg, IC card (and / or IC chip) read out from the IC card (and / or IC chip) interworking with the customer terminal. A serial number and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the customer terminal may The stored information is encrypted using at least one of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Provided by the increment 925, the customer authentication unit 925 decrypts the encrypted stored information based on the copy of the customer's official certificate and / or the customer's official certificate information extracted from the directory to compare with each other, The customer may be authenticated, and the authenticated customer information (or customer authentication information) may be transmitted to the information operation unit 940. The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, and And / or information input through an input device (eg, a short-range communication device, etc.) other than a key input device provided in the customer terminal, in which case the customer terminal symmetrics the input information through the certificate. (Or secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or an encryption method using at least one or more of a key exchange encryption method to the customer authentication unit 925. And, based on the authentication information of the customer extracted from the copy of the customer's official certificate and / or the directory in the customer authentication unit 925 By intercomparison decrypts the encrypted input information, and to authenticate the customer and the authenticated client information (or the customer credentials), characterized in that transmitted to the information management unit 940. The The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 925 interoperates with the UI processing unit 910 to request a predetermined OTP code to the customer terminal, receive the OTP code from the customer terminal, and based on the OTP generation information, a predetermined OTP authentication code. By generating a, and by comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, and to pass the authenticated customer information (or customer authentication information) to the information management unit 940 It is characterized by. The authenticated customer information (or customer authentication information) transmitted to the information operation unit 940 is transmitted to the information providing server 305 according to the embodiment of the present invention.

The OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption schemes. For this purpose, the customer authentication unit 925 further includes a functional configuration for decrypting the OTP code.

When at least one financial transaction is requested from the client terminal, the banking processor 930 provides the financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 910. And, when predetermined financial transaction request information is input (or selected) and received from the customer terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to. Financial transaction information is generated (or extracted) and provided to the ledger processing unit 935.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processor 930 may interwork with the UI processor 910 to transmit information to the client terminal (eg, withdrawal account number or withdrawal). Provides a predetermined interface screen for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and provides information (e.g., When a withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, the transfer amount is transferred from the withdrawal account with reference to the banking element information. Generates the predetermined financial transaction information to withdraw money and deposits it into the deposit account and provides it to the ledger processing unit 935.

According to the exemplary embodiment of the present invention, the banking processor 930 receives the predetermined financial transaction request information from the customer terminal, and interoperates with the customer authentication unit 925 to perform the financial transaction through at least one customer authentication method. It is preferable to authenticate the customer requesting the request, thereby confidentiality and authentication for the customer (or a customer who has entered (or selected) a financial transaction request information transmitted through the customer terminal). Integrity and nonrepudiation are ensured.

The ledger processing unit 935 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 930, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system, extract the identified ledger information from the ledger on the financial system through the interface means, and / or correspond to the financial transaction information. And generate (or extract) ledger record information recorded in the ledger on the financial system, and record the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

The information operation unit 940, if a predetermined authentication operation for the customer connected to the Internet banking server 900 through the customer authentication unit 925 is successfully performed, the connected customer information (or customer authentication information) ) Is transmitted to the information providing server 305 through a predetermined interface means, and when the customer payment schedule information corresponding to the transmitted customer information (or customer authentication information) is received from the information providing server 305, The received customer payment schedule information is characterized in that for transmitting to the web page operation unit 915.

Then, the webpage operation unit 915 determines to include the customer payment schedule information received from the information operation unit 940 in the webpage to be provided to the connected customer terminal, and the UI processing unit 910 The user interface (UI) screen for providing a predetermined Internet banking service to the connected customer terminal including the customer billing schedule information is generated, and the user interface screen including the customer billing schedule information is displayed. It is characterized in that it is provided to the customer terminal connected to the Internet banking server (900).

Referring to FIG. 9, the information providing server 305 is interlocked with the financial system through the external system, and the external system is configured to interwork with the information providing server 305 through a predetermined interface means. It is preferred to include the element.

The information providing server 305 comprehensively and / or collects various payments (eg, utility bills, savings / payments, card payments, interest payments, CMS, etc.) to be performed by the customer through the information providing system shown in FIG. 3. Collected from at least one interface providing unit 315 that provides predetermined payment history information for periodically managing (eg, checking / notifying payment schedules of customers, checking / notifying account balances according to payment schedules, etc.). Various payment history information of the customer is classified and counted by a predetermined order (eg, primary aggregation, secondary aggregation, etc.) according to the point of time when the payment history can be counted, and the aggregated customer payment information is classified by the order by the communication means of the customer. After being separated and stored in association with the customer information in the storage medium 130, a predetermined customer terminal is connected to the Internet banking server 900, and the Internet banking server 900 Receive the authenticated customer information (or customer authentication information) transmitted after performing the authentication for the connected customer, and extracts the payment schedule information to be provided to the customer from the storage medium 130, the Internet banking server It is characterized in that provided in (900).

As described above, the Internet banking server 900 includes payment schedule information of the access customer transmitted by the information providing server 305 in a user interface (UI) screen for providing the Internet banking service. To provide to the customer terminal.

According to the exemplary embodiment of the present invention, the storage medium 130 is shown as being provided with the information providing server 305 in FIG. 9, but the present invention is not limited to the drawing, and the storage medium 130 is the Internet banking server. 900 and / or DBMS on the financial system and / or may be provided in a separate D / B server.

Referring to FIG. 9, the information providing server 305 receives customer information (or customer authentication information) for accessing the internet banking server 900 when a predetermined customer terminal is connected to the internet banking server 900. An information receiver 945 for confirming (or extracting) customer payment schedule information corresponding to the received customer information (or customer authentication information) in association with the storage medium 130; And the information transmitter 955 for transmitting the extracted customer payment schedule information to the internet banking server 900 through the interface means.

According to an embodiment of the present invention, a predetermined customer terminal is connected to the Internet banking server 900 illustrated in FIG. 9, and the authentication process is performed on the connected customer by the Internet banking server 900. After the authentication of one customer is completed, in order to provide a predetermined Internet banking service (or additional service) to the connected customer terminal, to provide payment schedule information of the customer to the customer terminal,

 When the connected customer information (or customer authentication information) is transmitted to the information providing server 305, the information receiving unit 945 transmits the connected customer information (or customer authentication information) transmitted from the internet banking server 900. And receiving the received customer information (or customer authentication information) to the information extraction unit 950.

The information extracting unit 950, when the connected customer information (or customer authentication information) is received from the Internet banking server 900 through the information receiving unit 945, customer payment corresponding to the received customer information Characterized in that it is confirmed (or extracted) from the storage medium 130, the payment information of the confirmed (or extracted) of the access customer is transmitted to the information transmitting unit (955).

According to FIG. 9, although the storage medium 130 is illustrated as being provided in the information providing server 305, the storage medium 130 is not limited thereto, and the storage medium 130 interoperates with the information providing server 305. It may be provided in a predetermined server (eg, the information registration server 100 or the information providing server 305, etc.).

The information transmission unit 955, when the customer payment schedule information to be provided to the customer connected to the Internet banking server 900 via the information extraction unit 950 is extracted, the extracted customer payment schedule information to the interface It is characterized in that for transmitting to the information management unit 940 of the Internet banking server 900 through the means.

Preferably, the customer payment schedule information transmitted to the information operating unit 940 of the internet banking server 900 is provided to the customer terminal in the process of starting or performing the internet banking service.

10 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 10, in the information providing system shown in FIG. 9, a predetermined customer terminal is provided in the information providing system through a TCP / IP based network (for example, the Internet). By connecting to the Internet banking-based financial transaction channel between the customer terminal and the Internet banking server 900, by performing a predetermined customer authentication procedure, and the authenticated customer information (in the Internet banking server 900) Alternatively, the present invention relates to an implementation method of requesting customer payment schedule information corresponding to the customer information (or customer authentication information) by transmitting the customer authentication information) to the information providing server 305 on the information providing system. Those skilled in the art may refer to and / or modify this drawing 10 to make an Internet banking device between the customer terminal and the Internet banking server 900. Would be able to derive a variety of information providing method using the financial transaction channel, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

In addition, according to an embodiment of the present invention, Figure 10 is the Internet banking server 900 through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the customer terminal ), A method of connecting an internet banking-based financial transaction channel for financial transactions using internet banking between the client terminal and the internet banking server 900 based on the browser program, but the present invention belongs to Those skilled in the art may refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 10 based on a predetermined internet banking program mounted on the customer terminal. Internet bank between the customer terminal and the Internet banking server 900 Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for financial transactions using the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This 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 10, a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer an implementation method of connecting non-face-to-face channel based financial transaction channels for financial transactions using Internet banking, but the present invention provides the telebanking system and And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future proposed non-face-to-face banking systems, the technical configuration of the present invention being illustrated in FIG. It is by no means limited to Internet banking.

Referring to FIG. 10, when a predetermined client program is executed in a predetermined client terminal to access the Internet banking server 900 through the TCP / IP-based network (1000), the Internet banking server 900 is the browser. Connect a communication channel between the customer terminal and the Internet banking server 900 through (1005), wherein the communication channel is a predetermined web at the request of the browser program provided to the customer terminal in the Internet banking server 900 At least one or more information (or data) generated (or extracted) and transmitted to the customer terminal and input (or selected) based on a predetermined user interface included in the web page in a browser program included in the customer terminal. It means that a predetermined communication session is allocated to receive a).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 900 may be connected to the internet banking program based on a predetermined communication protocol defined in the internet banking program. A communication channel for transmitting and receiving at least one or more information (or data) may be allocated.

Thereafter, the internet banking server 900 includes a predetermined security module for internet banking on the customer terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the customer terminal. A predetermined security module for internet banking is installed in the customer terminal by adding a predetermined script to confirm whether or not to update the security module, and / or providing it to the customer terminal. Or, it is checked whether the security module is updated (1010).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 900 requests version information and / or last update date information, etc., from the internet banking program. You can check whether you want to update your Internet banking program (and / or security modules associated with your Internet banking program).

If a predetermined security module is to be installed and / or updated in the customer terminal (1015), the Internet banking server 900 may be configured to update the latest version to the customer terminal according to a remote program installation procedure defined in the browser program. Transmit and mount and / or update the security module for Internet banking (1020).

If the customer terminal does not need to install and / or update the latest version of the Internet banking security module (1025), or if the customer terminal does not need to install and / or update the Internet banking security module (1015). The banking server 900 connects a security channel for internet banking between the client terminal and the internet banking server 900 (or the client terminal and the internet banking server 900) by activating a security module for internet banking mounted on the client terminal. (1030), wherein the security channel for internet banking is secured among information (or data) included in a web page to be provided to the customer terminal from the internet banking server 900. Attach a predetermined electronic signature to this required information (or data) and / or provide encryption by using at least one encryption method (and / or encryption algorithm). Communication for causing the customer terminal to verify the digital signature and / or to decrypt the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). A channel, and also attaches a predetermined electronic signature to information (or data) to be provided to the Internet banking server 900 for financial transactions using the Internet banking in the customer terminal and / or at least one encryption method ( And / or encrypted with an encryption algorithm), the Internet banking server 900 verifies the digital signature and / or a predetermined decryption scheme (and / or encryption algorithm) corresponding to the encryption scheme (and / or encryption algorithm). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking-based secure channel may be configured in the internet banking server 900 according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be provided to the terminal and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the electronic signature is confirmed by the customer terminal. Or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm), and further, Internet banking at the customer terminal. Information (or data) to be provided to the internet banking server 900 for financial transactions using When a predetermined digital signature is attached to and / or encrypted and transmitted by at least one encryption method (and / or encryption algorithm), the Internet banking server 900 verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

Here, the security module is characterized by performing an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) using the customer's authorized certificate mounted on the customer terminal. do.

When the secure channel for internet banking is connected, the internet banking server 900 requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035).

According to an 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 in the internet banking application process) through the customer terminal. And the like) are input (or generated) and transmitted to the internet banking server 900, the Internet banking server 900 authenticates a customer connected through the customer terminal based on the customer authentication data as an internet banking customer. In this case, the customer authentication data is preferably transmitted through the digital signature and / or encrypted 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 registered by the customer in an internet banking application process or a customer through the customer terminal). Number, etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the customer terminal as the Internet banking customer based on the customer authentication data, and the result is the Internet banking. It is made to include providing to the server 900, wherein the customer authentication data preferably comprises a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the customer terminal inputs (or generates) predetermined customer authentication data according to the request, and electronically signs and / or encrypts the data through the security module to be transmitted to the internet banking server 900 (and / or authentication server). By requesting the Internet banking customer authentication (1040), the Internet banking server 900 (and / or authentication server) is based on the customer authentication data received from the customer terminal to access the customer through the customer terminal non- Authenticate as an Internet banking customer for face-to-face channel-based financial transactions (1045).

If the Internet banking customer authentication fails (1050), the Internet banking server 900 blocks the Internet banking security channel for the customer terminal (1055), the Internet banking-based financial transactions are not made through the customer terminal Do not handle.

On the other hand, if the Internet banking customer authentication is successful (1050), the Internet banking server 900 converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the customer terminal. According to an embodiment of the invention, the authenticated customer information (or customer authentication information) is transmitted to the information providing server 305 on the information providing system shown in FIG. 9 through an interface means, corresponding to the connected customer. Request payment information (1065).

FIG. 11 is a diagram illustrating a process of providing customer settlement schedule information corresponding to the customer after performing authentication of an Internet banking user according to an embodiment of the present invention.

In more detail, in FIG. 11, a predetermined customer terminal accesses the Internet banking server 900 provided in the information providing system through the process of FIG. 10, and a predetermined customer authentication procedure for the accessed customer is performed. After that, the customer's payment schedule information according to the present invention to be provided to the access customer through the predetermined interface means in the Internet banking server 900 is obtained from the information providing server 305 on the information providing system, the customer terminal As provided by the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to access the customer terminal connected to the Internet banking server 900. Although various implementation methods for providing customer settlement schedule information corresponding to the present invention may be inferred, the present invention includes all implementation methods inferred from the above. In addition, the present invention is not limited to the method shown in FIG.

Referring to FIG. 11, when an information providing server 305 receives a request for payment information of a customer including customer information (or customer authentication information) from the Internet banking server 900 (1100), the information providing server 305 is received. ) Extracts (or confirms) customer payment schedule information corresponding to the customer information from the storage medium 130 (1105).

When the customer payment schedule information corresponding to the customer information is extracted (or confirmed) from the storage medium 130 (1110), the information providing server 305 may extract the customer payment schedule information extracted from the storage medium 130. To the Internet banking server 900 via the interface means (1115), the Internet banking server 900 generates (extracts) a financial transaction interface web page containing the received customer payment information ( In operation 1125, the financial banking interface web page including the customer settlement schedule information is transmitted / output to the client terminal through the financial transaction channel between the internet banking server 900 and the client terminal.

According to an exemplary embodiment of the present invention, the customer settlement schedule information is included in a predetermined financial transaction interface web page as described above and transmitted to the customer terminal or may be provided to the customer terminal through a pop-up or a separate web page. Can be.

* Or, the customer billing information is included in the predetermined financial transaction interface web page as described above, only for customers who apply (or registered) the billing information providing service according to an embodiment of the present invention to the customer terminal It may be transmitted or provided to the customer terminal through a pop-up or a separate web page.

In addition, according to the method of the present invention, the customer settlement schedule information included in the financial transaction interface web page and / or a predetermined pop-up and / or a separate web page, and provided to the customer terminal may include predetermined detailed information. It may further comprise link information for providing.

12 is a diagram illustrating a system configuration for providing customer payment schedule information to a predetermined customer who is connected to a financial institution through a non-face-to-face channel according to another exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates an Internet banking server based on a network (eg, the Internet) based on a transmission control protocol / Internet protocol (TCP / IP) of a financial transaction system operated by a financial institution customer terminal. 1200 and when the communication channel for internet banking is connected, the method for providing an information providing system for extracting the customer payment schedule information that can be provided to the connected customer to provide to the connected customer terminal, the information providing system Is at least one financial institution client terminal having a web browser, and in the process of providing the Internet banking service from at least one or more of the customer terminal, to extract the customer payment schedule information corresponding to the connected customer information to the customer terminal It characterized in that it comprises a provided Internet banking server 1200.

According to an embodiment of the present invention, the internet banking server 1200 processes the financial business required to provide the Internet banking service through a predetermined interface means and provides payment schedule information corresponding to the accessed customer information. It is linked to the financial system.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the information providing system shown in FIG. The present invention is not limited to the components omitted.

For example, FIG. 12 illustrates an Internet connection between the customer terminal and the Internet banking server 1200 based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal. In the process of initiating or processing a predetermined financial transaction using banking, a method of providing an information providing system for providing customer settlement schedule information corresponding to the customer information to a client terminal connected to the internet banking server 1200 is illustrated. For those of ordinary skill in the art to which the present invention pertains, a predetermined Internet is mounted on the customer terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. Based on the banking program, the customer terminal and the Internet banking book An information providing system for providing customer payment schedule information corresponding to the customer information to a customer terminal connected to the internet banking server 1200 in a process of initiating or processing a predetermined financial transaction using internet banking between the 1200. And the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the information providing system by referring to and / or modifying the configuration of the information providing system shown in FIG. Although it may be possible to infer an information providing system using another banking service such as telebanking and / or wireless banking and / or TV banking, in FIG. 12, the information providing system using the internet banking will be described. It is noted that the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is provided with a desktop having at least one web browser for accessing the internet banking server 1200 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer and / or notebook (Notebook), the Internet banking server 1200 through a predetermined network means including the Internet based on the TCP / IP And a communication channel for internet banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External system that provides various electronic financial services (e.g., internet banking, phone banking, CD / Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc. An interface module corresponding to a middleware platform providing inter-component interfacing; DBMS including at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in an existing financial system. (DataBase Management System), and according to the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (city O), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may Since the technical details of the system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

In addition, the Internet banking server 1200 is interlocked with the financial system through the external system, and for this purpose, the external system includes a component for interworking with the Internet banking server 1200 through a predetermined interface means. It is preferable to make.

The internet banking server 1200 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one customer terminal, and / or the financial system And a DBMS including a database for storing Internet banking information required for providing a predetermined Internet banking service in connection with the data server, or interworking with a data server provided with the DBMS according to an embodiment. Thereby, a predetermined internet banking service is provided to at least one of the customer terminals.

In particular, the Internet banking server 1200 extracts customer payment schedule information corresponding to the connected customer information (eg, verified customer information) from the storage medium 130 when the predetermined customer terminal is connected. It is characterized in that provided in the process of providing a predetermined Internet banking service to the customer terminal.

To this end, the Internet banking information may be authenticated by at least one or more customer terminals to access and log in to the Internet banking server 1200, and / or the customer to the Internet banking server 1200 Customer authentication for authenticating the financial transaction customer during at least one financial transaction through, and / or authenticating a customer subscribing to the financial product when the customer subscribes to at least one financial product through the internet banking server 1200. Information and banking element information for processing a financial transaction corresponding to the financial transaction request by interworking with the financial system when the financial transaction is requested from the customer through the customer terminal. At least one or more information necessary for banking may be further included. Omit this for convenience.

Referring to FIG. 12, the Internet banking server 1200 may establish a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service (or an Internet banking supplementary service) to at least one or more customer terminals. Based on the connected web interface unit 1205 and the connected customer information (or customer authentication information), the ledger information corresponding to the connected customer (e.g., customer transaction history) is linked to the financial system through the interface means. Information and / or customer wireless terminal information), the ledger processing unit 1235, an information extraction unit 1240 for extracting customer payment schedule information corresponding to the confirmed customer information from the storage medium 130, and In conjunction with the web interface unit 1205, DBMS and information management unit, and a web page operation unit 1215 for operating a web page to be provided to at least one or more of the customer terminal And a UI processing unit generating a user interface (UI) screen for providing a predetermined internet banking service (and / or a predetermined additional service) to at least one or more customer terminals in cooperation with the webpage operation unit 1215. And a communication channel and a user interface for processing internet banking based on HTTP between the customer terminal and the internet banking server 1200 by the functional configuration.

In addition, the Internet banking server 1200, in conjunction with the UI processing unit 1210, extracts predetermined content for providing the Internet banking service from the DBMS provided in the Internet banking server 1200, or the customer It may be configured to further include a content management unit 1220 for receiving a predetermined content to be stored in the DBMS from the terminal.

In addition, the Internet banking server 1200 is connected to the web page operation unit 1215 through the UI processing unit 1210 based on the customer authentication information of the Internet banking information to the at least one customer terminal screen to the customer authentication interface It may be configured to further include a customer authentication unit 1225 provided or provided with at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 1200 is connected to the web page operation unit 1215 through the UI processing unit 1210 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one customer terminal It may be configured to further include a banking processor 1230 is provided with at least one or more financial transaction-related information on the basis of the interface screen.

In addition, the Internet banking server 1200 may be configured to further include a ledger processing unit 1235 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with a financial system through a predetermined interface means. The ledger processor 1235 is preferably connected to the external system of the financial system through the interface means.

* The customer authentication information stored in the DBMS includes at least one ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of the customer accessing the Internet banking server 1200 through the customer terminal It is preferable to include the member information, wherein the customer authentication unit 1225 requests the ID / PW information of the customer to the customer terminal in conjunction with the UI processing unit 1210, and the Receives ID / PW information, and compares the received ID / PW information and the ID / PW information included in the member information to authenticate the customer connected to the Internet banking server 1200, the authenticated customer Information (or customer authentication information) is characterized in that it is delivered to the information extraction unit 1240.

Preferably, the ID / PW information may be provided to the Internet banking server 1200 according to a conventional ID / PW transmission and reception procedure, but the ID / PW information is symmetrical in the customer terminal to provide a more advanced security function. It is preferable that the data is encrypted and received through at least one or more of a key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. The customer authentication unit 1225 may further include a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (for example, KFTC) and certificate server information, and / or the certificate registration authority information (issuing a predetermined certificate issued to a customer connected through the customer terminal) For example, if the official certificate is registered through the party, the information of the party, the other information when the official certificate is registered through the other line, etc.), and / or the certificate information issued to the customer by the certification body is further included. Preferably, at this time, the customer authentication unit 1225 requests the authentication certificate based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, by receiving the result of the customer authentication from the authentication server And, the customer may be authenticated, and the information extraction unit 1240 to the authenticated customer information (or customer authentication information) Characterized in that the transmission.

In addition, the customer authentication unit 1225 provides the communication session information and the certificate information connected to the customer terminal to the authentication server (not shown) of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, the result may be provided to the customer authentication unit 1225.

In addition, the customer authentication information stored in the DBMS is made of a copy of the authentication certificate of the customer accessing the Internet banking server 1200 through the customer terminal, and / or issued a predetermined certificate to the customer It is preferable to include the directory connection information of the certification authority, wherein the customer authentication unit 1225 is linked to the certificate server of the certification authority that issued a predetermined certificate to the customer certificate-based customer information to the customer terminal Request the certificate, receive the certificate-based customer information from the customer terminal, and authenticate the customer by authenticating the certificate-based customer information through a copy of the certificate and / or a certification authority, and the authenticated Customer information (or customer authentication information) is characterized in that it is delivered to the information extraction unit 1240.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1225, or a predetermined random number generated by the customer terminal, in which case the customer terminal is the official certificate through the certificate The random number is encrypted using at least one or more of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. 1225) (for example, when the random number is generated in the customer terminal, the mobile terminal further includes a random number in the plain text form), and is extracted from the copy of the customer's official certificate and / or from the directory by the customer authentication unit 1225. Decrypt and compare the encrypted random numbers based on the customer's authorized certificate information, and / or the random number in the plain text form (eg, the By encrypting and comparing the random number generated by the customer authentication unit 1225 and / or the random number generated by the customer terminal, the customer can be authenticated, and the authenticated customer information (or customer authentication information) is compared with the information. It is characterized in that the transfer to the extraction unit 1240.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the internet banking server 1200, and / or the Information (or system information) previously stored in the customer terminal, and / or storage information (eg, IC card (and / or IC chip) read out from the IC card (and / or IC chip) interworking with the customer terminal. A serial number and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the customer terminal may Encrypting the stored information through at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. It is provided by the increment (1225), the customer authentication unit 1225 by decrypting the encrypted stored information based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory to compare each other The client may be authenticated, and the authenticated customer information (or customer authentication information) may be transmitted to the information extraction unit 1240.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, and And / or information input through an input device (eg, a short-range communication device, etc.) other than a key input device provided in the customer terminal, in which case the customer terminal symmetrics the input information through the certificate. (Or secret key) encryption and / or public key encryption, and / or electronic envelope encryption, and / or key exchange encryption at least one of the encryption method provided to the customer authentication unit 1225 And based on the copy of the certificate of the customer and / or the certificate information of the customer extracted from the directory by the customer authenticator 1225. By intercomparison expensive decrypts the input information, and to authenticate the customer and the authenticated client information (or the customer credentials), characterized in that it is transferred to the information extracting unit 1240.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 1225 interoperates with the UI processing unit 1210 to request a predetermined OTP code to the customer terminal, receive the OTP code from the customer terminal, and based on the OTP generation information, a predetermined OTP authentication code. By generating a, and by comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, and to pass the authenticated customer information (or customer authentication information) to the information extraction unit 1240 It is characterized by.

The OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption schemes. For this purpose, the customer authentication unit 1225 preferably further includes a functional configuration for decrypting the OTP code.

When at least one financial transaction is requested from the client terminal, the banking processor 1230 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 1210. And, when predetermined financial transaction request information is input (or selected) and received from the customer terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to. Financial transaction information is generated (or extracted) and provided to the ledger processing unit 1235.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processor 1230 is linked with the UI processor 1210 to transfer the information necessary for the account transfer to the client terminal (eg, withdrawal account number, withdrawal). Provides a predetermined interface screen for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and provides information (e.g., When a withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, the transfer amount is transferred from the withdrawal account with reference to the banking element information. The predetermined financial transaction information for withdrawing money and depositing the money into the deposit account is generated and provided to the ledger processor 1235.

According to the exemplary embodiment of the present invention, the banking processor 1230 receives the predetermined financial transaction request information from the customer terminal. The banking processor 1230 interoperates with the customer authentication unit 1225 for at least one customer authentication method. It is preferable to authenticate the customer who requested the transaction, thereby, confidentiality and authentication of the customer who requested the financial transaction through the customer terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

The ledger processing unit 1235 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1230, the financial transaction information Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to, and extract the identified ledger information from the ledger on the financial system through the interface means, and / or to the financial transaction information. Correspondingly generating (or extracting) ledger record information recorded in the ledger on the financial system, and recording the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

The information extracting unit 1240 performs the authentication process for the connected customer through the customer authentication unit 1225 and then, if the authenticated customer information is transferred, the information extracting unit 1240 for each customer through the information providing system of FIG. The customer payment schedule information corresponding to the customer information is extracted from the storage medium 130 by interworking with the storage medium 130 in which payment schedule information is stored, and the extracted customer payment schedule information is stored on the web. It is characterized in that the transfer to the page operation unit 1215.

Then, the web page operation unit 1215 determines to include the customer payment schedule information received from the information extraction unit 1240 in the web page to be provided to the connected customer terminal, and the UI processing unit 1210 The user interface (UI) screen for providing a predetermined Internet banking service to the connected customer terminal including the customer billing schedule information is generated, and the user interface screen including the customer billing schedule information is displayed. It is characterized in that it is provided to the customer terminal connected to the Internet banking server 1200.

According to FIG. 12, although the storage medium 130 is illustrated as being associated with the internet banking server 1200, the storage medium 130 is not limited thereto, and the storage medium 130 is provided in the internet banking server 1200. Alternatively, it may be provided in a predetermined server (for example, the information registration server 100 or the information providing server 305 or the information providing server 305, etc.) in conjunction with the Internet banking server 1200.

13 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 13, in the information providing system shown in FIG. 12, an Internet banking server 1200 in which a predetermined customer terminal is provided in the information providing system through a TCP / IP-based network (for example, the Internet). ), In order to provide the customer payment schedule information according to the present invention to the customer, by performing a predetermined customer authentication procedure, connecting an internet banking-based financial transaction channel between the customer terminal and the internet banking server 1200. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 13 and the internet banking-based financial transaction channel between the customer terminal and the internet banking server 1200. Various information providing methods can be inferred, but the present invention includes all the implementation methods inferred, Not limited by the embodiment method.

In addition, according to an embodiment of the present invention, the drawing 13 is the Internet banking server 1200 through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the customer terminal ), A method of connecting an internet banking-based financial transaction channel for financial transactions using internet banking between the client terminal and the internet banking server 1200 based on the browser program, but the present invention belongs to Those skilled in the art may refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 13, based on a predetermined internet banking program mounted on the customer terminal. Internet between the customer terminal and the Internet banking server 1200 Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for financial transactions using a king, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 13, in addition to the internet banking system, a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer an implementation method of connecting non-face-to-face channel based financial transaction channels for financial transactions using Internet banking, but the present invention provides the telebanking system and And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, the technical configuration of the present invention being illustrated in FIG. It is by no means limited to Internet banking.

Referring to FIG. 13, when a predetermined client program is executed in a predetermined client terminal to access the Internet banking server 1200 through the TCP / IP-based network (1300), the Internet banking server 1200 is connected to the browser. Connect the communication channel between the customer terminal and the Internet banking server 1200 through (1305), wherein the communication channel is a predetermined web at the request of the browser program provided to the customer terminal in the Internet banking server 1200 At least one or more information (or data) generated (or extracted) and transmitted to the customer terminal and input (or selected) based on a predetermined user interface included in the web page in a browser program included in the customer terminal. It means that a predetermined communication session is allocated to receive a).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 1200 may be configured to perform the Internet banking program based on a predetermined communication protocol defined in the internet banking program. A communication channel for transmitting and receiving at least one or more information (or data) may be allocated.

Thereafter, the internet banking server 1200 includes a predetermined security module for internet banking on the customer terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the customer terminal. A predetermined security module for internet banking is installed in the customer terminal by adding a predetermined script to confirm whether or not to update the security module, and / or providing it to the customer terminal. Or, it is checked whether or not to update the security module (1310).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server 1200 requests version information and / or last update date information, etc. from the internet banking program. You can check whether you want to update your Internet banking program (and / or security modules associated with your Internet banking program).

If a predetermined security module is to be installed and / or updated in the customer terminal (1315), the Internet banking server 1200 may update the latest version to the customer terminal according to a remote program installation procedure defined in the browser program. The security module for internet banking is transmitted and installed and / or updated (1320).

If it is not necessary to install and / or update the latest version of the Internet banking security module in the customer terminal (1325) or to mount and / or update the Internet banking security module in the customer terminal (1315), The banking server 1200 connects a security channel for internet banking between the customer terminal and the internet banking server 1200 by activating a security module for internet banking mounted on the customer terminal (or the customer terminal and the internet banking server 1200). (1330), wherein the secure channel for internet banking is secured among information (or data) included in a web page to be provided to the customer terminal from the internet banking server 1200. Attach a predetermined digital signature to this required information (or data) and / or provide encryption by at least one encryption method (and / or encryption algorithm). If so, the client terminal confirms the digital signature and / or decrypts the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Means a communication channel, and attaches a predetermined digital signature to information (or data) to be provided to the Internet banking server 1200 for financial transactions using the Internet banking in the customer terminal and / or at least one encryption scheme (And / or encrypted by the encryption algorithm), the Internet banking server 1200 confirms the digital signature and / or a predetermined decryption method (and / or encryption algorithm) corresponding to the encryption method (and / or encryption algorithm) Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the Internet banking-based secure channel is established in the Internet banking server 1200 according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be provided to the terminal and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the electronic signature is confirmed by the customer terminal. Or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm), and furthermore, Internet banking is performed by the customer terminal. Information to provide to the Internet banking server 1200 for the financial transaction used (or data A predetermined electronic signature and / or encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the Internet banking server 1200 confirms the digital signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

Here, the security module is characterized by performing an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the customer's official certificate mounted on the customer terminal. .

When the secure channel for internet banking is connected, the internet banking server 1200 requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335).

According to an 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 in the internet banking application process) through the customer terminal. And the like) are input (or generated) and transmitted to the internet banking server 1200, the Internet banking server 1200 authenticates a customer connected through the customer terminal based on the customer authentication data as an internet banking customer. In this case, the customer authentication data is preferably transmitted through the digital signature and / or encrypted 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 registered by the customer in an internet banking application process or a customer through the customer terminal). Number, etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the customer terminal as the Internet banking customer based on the customer authentication data, and the result is the Internet banking. It includes providing to the server 1200, wherein the customer authentication data preferably comprises a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the customer terminal inputs (or generates) predetermined customer authentication data according to the request, and electronically signs and / or encrypts the data through the security module to be transmitted to the internet banking server 1200 (and / or authentication server). By requesting the Internet banking customer authentication (1340), the Internet banking server 1200 (and / or authentication server) is based on the customer authentication data received from the customer terminal to access the customer through the customer terminal non- It authenticates as an Internet banking customer for face-to-face channel-based financial transactions (1345).

If the Internet banking customer authentication fails (1350), the Internet banking server 1200 blocks the Internet banking security channel for the customer terminal (1355), and the internet banking-based financial transaction is not made through the customer terminal. Do not handle.

On the other hand, if the Internet banking customer authentication is successful (1350), the Internet banking server 1200 is to be billed corresponding to the customer after performing the authentication of the Internet banking user according to the embodiment of the present invention through Figure 14 below Initiate the process of providing information.

14 is a diagram illustrating a process of providing customer settlement schedule information corresponding to the customer after performing authentication of an Internet banking user according to an embodiment of the present invention.

In more detail, in FIG. 14, a predetermined customer terminal accesses the Internet banking server 1200 provided in the information providing system through the process of FIG. 13, and a predetermined customer authentication procedure for the accessed customer is performed. Thereafter, the Internet banking server 1200 in connection with the storage medium 130 to extract (or confirm) the customer payment schedule information corresponding to the customer information, and to provide to the customer terminal, the present invention, Those skilled in the art may refer to and / or modify this drawing 14 to provide customer payment schedule information corresponding to the customer information to a customer terminal connected to the Internet banking server 1200. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 14, if an authentication procedure for a customer accessing the Internet banking server 1200 is successfully performed through the process of FIG. 13, the Internet banking server 1200 and 800 may store the storage medium 130. In operation 1400, the client schedule confirmation information corresponding to the customer information (or customer authentication information) is confirmed.

As described above, when the customer payment schedule information corresponding to the customer information (or customer authentication information) is extracted (or confirmed) from the storage medium 130 (1405), the internet banking server 1200 is the storage medium 130 Generating (extracting) a financial transaction interface web page including the customer settlement schedule information extracted from the mobile terminal (1410) and paying the customer to the customer terminal through a financial transaction channel between the internet banking server 1200 and the customer terminal. The financial transaction interface web page including the schedule information is transmitted and output (1415).

According to an exemplary embodiment of the present invention, the customer settlement schedule information is included in a predetermined financial transaction interface web page as described above and transmitted to the customer terminal or may be provided to the customer terminal through a pop-up or a separate web page. Can be.

Alternatively, the customer billing schedule information is included in a predetermined financial transaction interface webpage and transmitted to the customer terminal, as described above, for a customer who applies for (or registers) a billing schedule information providing service according to an embodiment of the present invention. Or, it may be provided to the customer terminal through a pop-up or a separate web page.

In addition, according to the method of the present invention, the customer settlement schedule information included in the financial transaction interface web page and / or a predetermined pop-up and / or a separate web page, and provided to the customer terminal may include predetermined detailed information. It may further comprise link information for providing.

15 is a diagram illustrating a system configuration for providing customer payment schedule information to a predetermined customer who is connected to a financial institution through a non-face-to-face channel according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a wireless banking server 1500 for providing a wireless banking service based on a VM (Virtual Machine) and / or a wireless IC chip in a financial transaction system operated by a financial institution customer terminal. When the communication channel for wireless banking is connected, the connected customer information is transmitted to a predetermined information providing server 305, and the customer terminal which extracts the customer payment schedule information corresponding to the customer information and accesses the wireless banking server. As an implementation method for an information providing system provided by the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 15 and the VM (Virtual Machine) based and / or wireless IC chip. Although various implementation methods for the configuration of an information providing system including the base wireless banking server 1500 and the information providing server 305 may be inferred, the present invention infers the above. It includes all of the exemplary methods, and is not limited to the exemplary method shown in the figure 15.

Referring to FIG. 15, an information providing system according to an exemplary embodiment of the present invention includes a wireless payment program for providing a virtual machine (VM) based and / or wireless IC chip based wireless banking service through a predetermined wireless communication network. At least one customer terminal connected to the wireless banking service based on a virtual machine (VM) -based and / or a wireless IC chip in connection with a wireless payment program included in the customer terminal through a predetermined wireless communication network. A wireless banking server 1500 for delivering customer information to the information providing server 305 and receiving customer payment schedule information corresponding to the customer information provided from the information providing server 305 and providing the information to the customer terminal; Extracts customer payment schedule information corresponding to the access customer information received from the wireless banking server 1500 from the storage medium 130. (Or confirmed), characterized in that it comprises an information providing server 305 provided to the wireless banking server 1500.

The customer terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or a wireless terminal operating based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the LAN terminal, the customer terminal is preferably provided with a wireless payment program for providing the online predetermined wireless banking service.

When the customer terminal is a CDMA stack based mobile communication terminal according to an embodiment of the present invention, it is preferable that the wireless communication network to which the customer terminal is connected includes the CDMA stack based mobile communication network. The mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.16x based portable internet terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.16x based portable internet.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.11x based wireless LAN.

Here, the predetermined wireless payment program provided in the customer terminal connects a wireless communication network to which the customer terminal is connected to a predetermined wireless banking server 1500 by using a wireless communication function provided in the customer terminal. And a communication channel for wireless banking based on a wireless IC chip and / or a wireless IC chip, and predetermined wireless banking request information (eg, customer account information) to be performed to the wireless banking server 1500 through the communication channel. Financial transaction information, etc.) and / or wireless banking processing information corresponding to the IC chip-based wireless banking procedure, and receives customer settlement schedule information corresponding to the customer information from the wireless banking server 1500. It is done.

According to the present invention, the wireless banking server 1500 is a VM (Virtual Machine) based and / or wireless IC chip based wireless to process the wireless payment program and the wireless-based financial transactions provided to the customer terminal through the wireless communication network And an interface unit 1505 for connecting and managing a communication channel for providing a banking service and an additional service (for example, a customer billing information providing service corresponding to customer information, etc.).

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the customer terminal and the wireless banking server 1500 by the interface unit 1505 may include a wireless payment program of the customer terminal and the wireless connection. It includes a data communication channel for transmitting and receiving at least one financial transaction data (eg, wireless banking request information, wireless banking result information, or additional service information, etc.) through the financial transaction communication protocol defined between the banking server 1500 It is preferable to make it.

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption methods, and for this purpose, a wireless payment program provided to the customer terminal and / or Alternatively, the wireless banking server 1500 may be provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server 1500 in the wireless payment program provided in the customer terminal through the communication channel is preferably attached to the electronic signature of the customer, it is provided in the customer terminal The wireless payment program is provided with an electronic signature attachment function for the financial transaction data, the wireless banking server 1500 is preferably provided with an electronic signature confirmation function for the financial transaction data.

Referring to FIG. 15, the wireless banking server 1500 may acquire an information acquisition unit 1510 that receives at least one wireless banking request information from the customer terminal through the interface unit 1505, and the wireless banking request information. An information confirming unit 1520 for confirming the transmitted customer information, and the confirmed customer information to the information providing server 305 on the information providing system through a predetermined interface means, and the information providing server 305 The customer payment schedule information received from the information providing server 305 in association with the information operation unit 1525 and the interface unit 1505 to receive customer payment schedule information corresponding to the customer information from the customer terminal; It is characterized by comprising an information transmitting unit 1530 to provide.

The wireless banking server 1500 reads the wireless banking request information, extracts at least one financial transaction related information, and connects with the predetermined financial system through a predetermined interface means based on the financial transaction related information. Generates the wireless banking result information processed by the banking processing unit (1515, 1230) in conjunction with the banking processing unit (1515) 1230 and the interface unit 1505 performing a financial transaction procedure corresponding to the financial transaction request information. It may be configured to further include an information transmitter 1530 provided to the customer terminal.

The information acquisition unit 1510 is the wireless payment program is driven in the customer terminal, a predetermined financial transaction-related wireless banking request information (which may include customer payment information request information) through the wireless payment program input (Or generated) is transmitted through the wireless communication network, and receives the wireless banking request information transmitted from the customer terminal through the interface unit 1505.

Preferably, the wireless banking request information includes predetermined wireless banking authentication information input through a predetermined key input means provided in the customer terminal, wherein the wireless banking authentication information is an account corresponding to the customer financial account. A password, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to the financial transaction requested via the wireless banking request information, and / or a security code (eg, a security code printed on a security card issued to a customer). And / or at least two or more security code combinations).

In addition, according to an embodiment of the present invention, the wireless banking request information, characterized in that further comprises information for requesting the inquiry on the customer payment schedule information of the customer.

When the wireless banking request information transmitted from the customer terminal is received through the information obtaining unit 1510, the information checking unit 1520 receives the wireless banking authentication information included in the received wireless banking request information. The customer information may be confirmed (or authenticated), and the confirmed (or authenticated) customer information is transferred to the information manager 1525.

The information operation unit 1525 may perform the predetermined authentication operation for the customer connected to the wireless banking server 1500 through the information verification unit 1520, and then access the customer information (or customer authentication information). ) Is transmitted to the information providing server 305 through a predetermined interface means, and when the customer payment schedule information corresponding to the transmitted customer information (or customer authentication information) is received from the information providing server 305, The received customer payment schedule information is characterized in that for transmitting to the information transmission unit 1530.

The information transmitter 1530 may receive and transmit customer payment schedule information corresponding to the access customer information (or customer authentication information) from the information providing server 305 through the information operation unit 1525. In conjunction with the interface unit 1505, the transferred customer payment schedule information is characterized in that for transmitting to the customer terminal.

The financial system is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 15, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on the accounting system, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); To an information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., Access to the financial system from net banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or various financial transactions through at least one common network (eg CD common network, financial common network) And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. A DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function. It is characterized by comprising.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the information providing server 305 connects a predetermined customer terminal to the wireless banking server 1500 and performs authentication on the accessed customer in the wireless banking server 1500. Receives the authenticated customer information (or customer authentication information) to be transmitted, and extracts (or confirms) customer payment schedule information for each customer stored in the storage medium 130 in association with the storage medium 130, and extracts the extracted information. (Or confirmed) characterized in that for transmitting the customer payment schedule information to the wireless banking server 1500.

According to the exemplary embodiment of the present invention, the storage medium 130 is illustrated as being provided in the information providing server 305. However, the present invention is not limited to this drawing, and the storage medium 130 is the wireless banking server 1500. And / or a DBMS on the financial system and / or a separate D / B server.

Referring to FIG. 15, when the wireless banking server 1500 accesses a predetermined customer terminal, the information providing server 305 may have customer information (or customer authentication information) about a customer accessing the wireless banking server 1500. Information receiving unit for receiving the information from the wireless banking server 1500 and the information to extract (or confirm) the customer payment schedule information corresponding to the received customer information (or customer authentication information) in conjunction with the storage medium 130 And an information transmitter 1530 for transmitting the extracted customer payment schedule information to the wireless banking server 1500 via the interface means.

According to an embodiment of the present invention, a predetermined customer terminal is connected to the wireless banking server 1500 illustrated in FIG. 15, and the authentication process is performed on the connected customer by the wireless banking server 1500. After the authentication of one customer is completed, in order to provide a predetermined wireless banking service (or additional service) to the connected customer terminal, to provide customer payment schedule information corresponding to the customer information to the customer terminal, When the connected customer information (or customer authentication information) is transmitted to the information providing server 305, the information receiver receives the access customer information (or customer authentication information) transmitted from the wireless banking server 1500, The received customer information (or customer authentication information) is characterized in that for transmitting to the information extraction unit 1240.

When the information extracting unit 1240 receives customer information (or customer authentication information) corresponding to the customer terminal connected to the wireless banking server 1500 through the information receiving unit, the information extracting unit 1240 interworks with the storage medium 130. And extracting (or confirming) customer payment schedule information corresponding to the customer information, and the extracted (or confirmed) customer payment schedule information of the customer is transmitted to the information transmitting unit 1530.

According to FIG. 15, although the storage medium 130 is illustrated as being associated with the information providing server 305, the storage medium 130 is not limited thereto, and the storage medium 130 may be provided in the information providing server 305. , A predetermined server (eg, the information registration server 100, the information providing server 305, etc.) may be provided.

The information transmitter 1530 may extract (or confirm) the customer payment schedule information to be provided to the customer accessing the wireless banking server 1500 through the information extractor 1240. Characterized in that for transmitting the customer payment schedule information to the information management unit 1525 of the wireless banking server 1500 via the interface means.

Preferably, the customer payment schedule information transmitted to the information operation unit 1525 of the wireless banking server 1500 is provided to the customer terminal in the process of starting or performing the wireless banking service.

16A and 16B illustrate a process of accessing a wireless banking server 1500 from a customer terminal for a predetermined financial transaction according to an exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate a process in which a customer terminal illustrated in FIG. 15 accesses a wireless banking server 1500 on an information providing system illustrated in FIG. 14 to perform a predetermined wireless-based financial transaction. As shown in the drawings, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b to access the wireless banking server 1500 for the wireless-based financial transaction. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

FIG. 16A illustrates a process of accessing a wireless banking server 1500 for a VM-based financial transaction, and FIG. 16B illustrates a process of accessing a wireless banking server 1500 for an IC chip-based financial transaction. It is.

Referring to FIG. 16A, a client terminal intended to perform a predetermined financial transaction shown in FIG. 15 drives a predetermined wireless payment program provided in the client terminal to access the wireless banking server 1500 (1600a). When it is confirmed that the wireless payment program is driven (1605a), the customer terminal extracts the customer account information from a predetermined memory (or storage means) provided in the customer terminal and transmits to the driven wireless payment program. The customer account information is automatically input to the provided wireless banking interface (1610a).

Thereafter, the client terminal inputs (or automatically inputs) financial transaction information (eg, payment amount information and account information (eg, financial transaction target account information, etc.)) for a predetermined financial transaction into a wireless banking interface provided in the wireless payment program. In operation 1615a, when the process of inputting the financial transaction information is completed, the customer terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1620a).

The wireless payment authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information, and / Or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1625a), the customer terminal generates wireless banking request information including the financial transaction information through the wireless payment program (1630a).

Those skilled in the art to which the present invention pertains know various implementation methods for generating the wireless banking request information according to the financial system and the VM-based wireless banking protocol defined by the wireless payment program of the customer terminal. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the client terminal performs an encryption function for the wireless banking request information (1635a), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or electronic envelope based. Preferably at least one or more of encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless payment program The function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

If the encryption for the wireless banking request information is completed (1640a), the client terminal transmits the wireless banking request information for a predetermined financial transaction to the wireless banking server 1500 through a wireless communication network connected to the client terminal. (1645a).

When the wireless banking server 1500 receives the wireless banking request information for the financial transaction from the client terminal, the wireless banking server 1500 checks the customer information that transmits the wireless banking request information for the financial transaction, and the information shown in FIG. 15. The request is sent to the provision server 305 to request customer payment schedule information corresponding to the customer information (1650a).

Referring to FIG. 16b, a predetermined wireless payment program provided in the client terminal is driven to access the wireless banking server 1500 from a client terminal that intends to perform a predetermined financial transaction shown in FIG. 15 (1600b). When it is confirmed that the wireless payment program is driven (1605b), the customer terminal performs a validity authentication procedure for the financial IC chip mounted (or attached) to the customer terminal through the wireless payment program (1610b). .

According to an exemplary embodiment of the present invention, the wireless payment program provided in the customer terminal performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input, thereby performing the wireless banking based on the financial IC chip. Secure confidentiality, authentication, integrity, and nonrepudiation

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

If the validity of the financial IC chip is not authenticated, the customer terminal outputs predetermined financial IC chip validity error information and ends the process of accessing the wireless banking server 1500.

On the other hand, if the validity of the financial IC chip is verified (1615b), the customer terminal outputs the operation screen of the wireless payment program to the financial IC chip based wireless payment screen (1620b), and the customer from the financial IC chip The account information is extracted, and the customer account information is automatically input into the wireless banking interface provided in the driven wireless payment program (1625b).

Thereafter, the client terminal inputs (or automatically inputs) financial transaction information for a predetermined financial transaction into the wireless banking interface provided in the wireless payment program (1630b), and when the above information input process is completed, the customer The terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1635b).

Here, the wireless banking authentication information may be an account password corresponding to the customer financial account, and / or a financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking, and / or a security code. (E.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1640b), the customer terminal through the wireless payment program, the customer account information, payment amount information, account information (for example, financial transaction target account) Information, etc.) and the financial IC chip-based financial transaction (or bank transfer) procedure through the wireless payment authentication information, and simultaneously generate the financial IC chip-based financial transaction processing information (1645b) and perform the wireless banking server 1500 (1650b).

Those skilled in the art will be familiar with the technical features of the method for performing the financial IC chip-based financial transaction procedure, and thus the detailed description thereof will be omitted for convenience.

When the financial IC chip-based financial transaction processing information is received from the customer terminal, the wireless banking server 1500 checks customer information that transmits the financial IC chip-based financial transaction processing information, and the information shown in FIG. 15. In operation 1655b, the server 305 transmits the information to the providing server 305 to request customer payment schedule information corresponding to the customer information.

17 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer information to a wireless banking user terminal according to an embodiment of the present invention.

In more detail, in FIG. 17, a predetermined customer terminal accesses the wireless banking server 1500 provided in the information providing system through the process of FIG. 16a or 16b, and the customer information of the accessed customer is confirmed. After that, the wireless banking server 1500 obtains the customer payment schedule information according to the present invention to be provided to the access customer through a predetermined interface means from the information providing server 305 on the information providing system, the customer terminal As provided by the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to a customer terminal connected to the wireless banking server 1500 to the customer. While it will be possible to infer various implementation methods for providing corresponding customer payment schedule information, the present invention includes all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Referring to FIG. 17, when the information providing server 305 receives a request for customer payment information including customer information (or customer authentication information) from the wireless banking server 1500 (1700), the information providing server 305 is received. ) Extracts (or confirms) customer payment schedule information corresponding to the customer information in association with the storage medium 130 (1705).

When the customer payment schedule information corresponding to the customer information is extracted (or confirmed) from the storage medium 130 (1710), the information providing server 305 is the customer payment schedule information extracted from the storage medium 130 In operation 1715, the wireless banking server 1500 transmits the received customer payment schedule information to the customer terminal through the interface means.

18 is a diagram illustrating a system configuration for providing customer settlement schedule information to a predetermined customer connected to a financial institution through a non-face-to-face channel according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates a wireless banking server 1800 for providing a wireless banking service based on a VM (Virtual Machine) and / or a wireless IC chip in a financial transaction system operated by a financial institution customer terminal. When the communication channel for wireless banking is connected, the client information is checked, the customer payment schedule information that can be provided to the customer is extracted, and the information provided to the customer terminal connected to the wireless banking server 1800 is provided. As a method for implementing a system, a person having ordinary knowledge in the art to which the present invention pertains may refer to the virtual machine (VM) based and / or wireless IC chip based wireless banking server ( Various implementation methods for the configuration of the information providing system including 1800 may be inferred, but the present invention includes all of the inferred implementation methods, Indicated is not limited to the exemplary method.

Referring to FIG. 18, an information providing system according to an exemplary embodiment of the present invention includes a wireless payment program for providing a virtual machine (VM) based and / or wireless IC chip based wireless banking service through a predetermined wireless communication network. At least one customer terminal connected to the wireless banking service based on a virtual machine (VM) -based and / or a wireless IC chip in connection with a wireless payment program included in the customer terminal through a predetermined wireless communication network. Checking the customer information, characterized in that it comprises a wireless banking server 1800 for extracting the customer payment schedule information corresponding to the confirmed customer information from the storage medium 130 to provide to the customer terminal.

The customer terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or a wireless terminal operating based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the LAN terminal, the customer terminal is preferably provided with a wireless payment program for providing the online predetermined wireless banking service.

When the customer terminal is a CDMA stack based mobile communication terminal according to an embodiment of the present invention, it is preferable that the wireless communication network to which the customer terminal is connected includes the CDMA stack based mobile communication network. The mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.16x based portable internet terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.16x based portable internet.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.11x based wireless LAN.

Here, the predetermined wireless payment program provided in the customer terminal connects the wireless communication network to which the customer terminal is connected to a predetermined wireless banking server 1800 by using a wireless communication function provided in the customer terminal to the virtual machine (VM). And a communication channel for wireless banking based on a wireless IC chip, and predetermined wireless banking request information (eg, customer account information, performance) to the wireless banking server 1800 through the communication channel. Financial transaction information, etc.) and / or wireless banking processing information corresponding to the IC chip-based wireless banking procedure, and receives payment schedule information of the customer from the wireless banking server 1800.

According to the present invention, the wireless banking server 1800 is a VM (Virtual Machine) based and / or wireless IC chip based wireless for processing the wireless payment program and the wireless-based financial transaction provided to the customer terminal through the wireless communication network And an interface unit 1805 for connecting and managing a communication channel for providing a banking service and an additional service (for example, a customer settlement information providing service corresponding to customer information, etc.).

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the customer terminal and the wireless banking server 1800 by the interface unit 1805 may include a wireless payment program of the customer terminal and the wireless connection. It includes a data communication channel for transmitting and receiving at least one financial transaction data (e.g., wireless banking processing information, wireless banking result information, or additional service information, etc.) through a financial transaction communication protocol defined between the banking server 1800. It is preferable to make it.

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption methods, and for this purpose, a wireless payment program provided to the customer terminal and / or Alternatively, the wireless banking server 1800 may be provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server 1800 in the wireless payment program provided in the customer terminal through the communication channel is preferably attached to the electronic signature of the customer, it is provided in the customer terminal The wireless payment program is provided with an electronic signature attachment function for the financial transaction data, the wireless banking server 1800 is preferably provided with an electronic signature confirmation function for the financial transaction data.

Referring to FIG. 18, the wireless banking server 1800 receives an information acquisition unit 1810 that receives at least one wireless banking request (or processing) information from the customer terminal through the interface unit 1805, and the wireless banking. An information checking unit 1820 that checks customer information of the customer who has transmitted the request (or processing) information, and extracts customer payment schedule information corresponding to the customer information from the storage medium 130 based on the confirmed customer information. (Or confirm) an information extracting unit 1830 and an information transmitting unit 1825 for transmitting the extracted customer payment schedule information to the customer terminal through the interface means.

The wireless banking server 1800 reads the wireless banking request (or processing) information to extract at least one financial transaction related information, and predetermined financial system through a predetermined interface means based on the financial transaction related information. The banking processing unit 1815 and 1230 and the banking processing unit 1815 and 1230 in association with the interface processing unit 1805 to perform a financial transaction procedure corresponding to the financial transaction request information. It may be configured to further include an information transmitter 1825 for generating the result information and providing it to the customer terminal.

The information acquisition unit 1810 is the wireless payment program is driven in the customer terminal, a predetermined financial transaction-related wireless banking request (or processing) information is input (or generated) through the wireless payment program to the wireless communication network When transmitted through, the wireless banking request (or processing) information transmitted from the customer terminal through the interface unit 1805 is received.

Preferably, the wireless banking request (or processing) information includes predetermined wireless banking authentication information input through a predetermined key input unit provided in the customer terminal, wherein the wireless banking authentication information is the customer financial account. The account password corresponding to the bank account, and / or the financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or a security code (eg, a security card issued to a customer). Printed security code, and / or at least two or more security code combinations).

In addition, the wireless banking request (or processing) information may further comprise the customer billing information request information of the customer.

The information checking unit 1820 may include the wireless banking request (or processing) information when the wireless banking request (or processing) information transmitted from the customer terminal is received through the information obtaining unit 1810. And confirming (or authenticating) the customer information through the wireless banking authentication information, and transmitting the confirmed (or authenticated) customer information to the information extraction unit 1830.

The information extraction unit 1830, when the customer information about the customer connected to the wireless banking server 1800 through the information check unit 1820 is confirmed and delivered, the customer payment schedule corresponding to the confirmed customer information The information is extracted (or confirmed) from the storage medium 130, and the extracted customer payment schedule information is transmitted to the information transmitter 1825.

According to FIG. 18, the storage medium 130 is illustrated as being associated with the wireless banking server 1800. However, the storage medium 130 is not limited thereto, and the storage medium 130 is provided in the wireless banking server 1800. And / or a predetermined server (for example, an information registration server 100, an information providing server 305, an information providing server 305, a separate server, etc.) interworking with the wireless banking server 1800. .

The information transmitter 1825 may be linked with the interface unit 1805 when the customer payment schedule information corresponding to the access customer information (or customer authentication information) is extracted and transmitted through the information extractor 1830. The extracted customer payment schedule information is characterized in that for transmitting to the customer terminal.

The financial system shown in FIG. 18 is a general term of a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 18, at least one financial account is opened to at least one financial transaction customer. And a computerized system provided to a financial institution to provide at least one financial transaction service based on the financial account, wherein a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window) is performed. An accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one The number of at least one non-face-to-face financial transaction in more than one external communication network (E.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) access to the financial system, and / or through at least one common network (e.g. CD common network, financial common network) And an external system that provides various financial transaction interfaces, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and the internal financial system. DBMS (Database Management) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the component. System) is characterized in that it is made.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

19A and 19B illustrate a process of accessing a wireless banking server 1800 from a client terminal for a predetermined financial transaction (or transaction history inquiry) according to an exemplary embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate a process in which a customer terminal illustrated in FIG. 18 accesses a wireless banking server 1800 on an information providing system illustrated in FIG. 18 to perform a predetermined wireless-based financial transaction. As shown in the drawings, those skilled in the art may access and access the wireless banking server 1800 for the wireless-based financial transaction by referring to and / or modifying the drawings 19a and 19b. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 19A and 19B.

19A illustrates a process of accessing a wireless banking server 1800 for a VM-based financial transaction, and FIG. 19B illustrates a process of accessing a wireless banking server 1800 for an IC chip-based financial transaction. It is.

Referring to FIG. 19A, a predetermined wireless device provided in the client terminal for accessing the wireless banking server 1800 from a client terminal to perform a predetermined financial transaction (or financial transaction details inquiry) shown in FIG. After driving the payment program (1900a) and confirming that the wireless payment program is driven (1905a), the customer terminal extracts the customer account information from a predetermined memory (or storage means) provided in the customer terminal, The customer account information is automatically input to the wireless banking interface provided in the driven wireless payment program (1910a).

Thereafter, the client terminal inputs (or automatically inputs) financial transaction information (eg, payment amount information and account information (eg, financial transaction target account information, etc.)) for a predetermined financial transaction into a wireless banking interface provided in the wireless payment program. In operation 1915a, when the financial transaction information input process is completed, the customer terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1920a).

The wireless payment authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information, and / Or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1925a), the customer terminal generates wireless banking request (or processing) information including the financial transaction information through the wireless payment program. (1930a).

Those skilled in the art to which the present invention pertains know various implementation methods for generating the wireless banking request information according to the financial system and the VM-based wireless banking protocol defined by the wireless payment program of the customer terminal. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the client terminal performs an encryption function for the wireless banking request information (1935a), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or electronic envelope based. Preferably at least one or more of encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless payment program The function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

If encryption of the wireless banking request information is completed (1940a), the client terminal transmits the wireless banking request information for a predetermined financial transaction to the wireless banking server 1800 through a wireless communication network to which the client terminal is connected. (1945a).

Referring to FIG. 19B, a customer terminal intending to perform a predetermined financial transaction shown in FIG. 18 drives a predetermined wireless payment program provided in the customer terminal to access the wireless banking server 1800 (1900 b). When it is confirmed that the wireless payment program is driven (1905b), the customer terminal performs a validity authentication procedure for the financial IC chip mounted (or attached) to the customer terminal through the wireless payment program (1910b). .

According to an exemplary embodiment of the present invention, the wireless payment program provided in the customer terminal performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input, thereby performing the wireless banking based on the financial IC chip. Secure confidentiality, authentication, integrity, and nonrepudiation

Those skilled in the art of the present invention will be familiar with the technical features to secure confidentiality, authentication, integrity and non-repudiation of the financial IC chip through the PIN, so Description is omitted for convenience.

If the validity of the financial IC chip is not authenticated, the customer terminal outputs predetermined financial IC chip validity error information and ends the process of accessing the wireless banking server 1800.

On the other hand, if the validity of the financial IC chip is authenticated (1915b), the customer terminal outputs the operation screen of the wireless payment program to the financial IC chip based wireless payment screen (1920b), and the customer account from the financial IC chip. Information is extracted and the customer account information is automatically input to the wireless banking interface provided in the driven wireless payment program (1925b).

Thereafter, the customer terminal inputs (or automatically inputs) financial transaction information for a predetermined financial transaction into a wireless banking interface provided in the wireless payment program (1930b), and when the above information input process is completed, the customer The terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1935b).

Here, the wireless banking authentication information may be an account password corresponding to the customer financial account, and / or a financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking, and / or a security code. (Eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1940b), the customer terminal through the wireless payment program, the customer account information, payment amount information, account information (for example, financial transaction target account) Information, etc.) and the financial IC chip-based financial transaction (or account transfer) procedure through the wireless payment authentication information, and generate the financial IC chip-based financial transaction processing information (1945b) to the wireless banking server 1800. Transmit (1950b).

Those skilled in the art will be familiar with the technical features of the method for performing the financial IC chip-based financial transaction procedure, and thus the detailed description thereof will be omitted for convenience.

20 is a diagram illustrating a process of providing customer payment schedule information corresponding to the customer information to a wireless banking user terminal according to another embodiment of the present invention.

In more detail, in FIG. 20, a predetermined customer terminal accesses the wireless banking server 1800 provided in the information providing system through the process of FIG. 19a or 19b, and the customer information of the accessed customer is confirmed. Thereafter, the wireless banking server 1800 extracts (or confirms) customer payment schedule information corresponding to the confirmed customer information in association with the storage medium 130 and provides the same to the customer terminal. As one of ordinary skill in the art to which the present invention pertains, the customer payment schedule information corresponding to the customer is transmitted to a customer terminal connected to the wireless banking server 1800 by referring to and / or modifying the drawing 20. 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 method shown in FIG. .

Referring to FIG. 20, when the customer information regarding the customer connected to the wireless banking server 1800 is confirmed through the process of FIG. 19a or 19b, the wireless banking server 1800 is connected to the storage medium 130. In operation 2000, the customer settlement schedule information corresponding to the confirmed customer information (or customer authentication information) is extracted (or confirmed).

When the customer payment schedule information corresponding to the customer information (or customer authentication information) is extracted (or confirmed) from the storage medium 130 (2005), the wireless banking server 1800 is the storage medium 130 from the storage medium 130; In operation 2010, customer payment schedule information corresponding to customer information is transmitted to the customer terminal.

21 is a diagram illustrating a system configuration for providing the customer settlement schedule information to a predetermined customer connected to a financial institution through a non-face-to-face channel according to another embodiment of the present invention.

In more detail, FIG. 21 illustrates that when a customer of a financial institution connects a predetermined customer through the financial terminal on a financial terminal-based non-face-to-face financial transaction system such as CD / ATM operated by the financial institution, the financial terminal. An implementation method for an information providing system for confirming (or authenticating) customer information connected to and providing customer settlement schedule information corresponding to the confirmed customer information to the financial terminal, wherein the information providing system is provided through a financial network. And an information providing server 305 which extracts customer settlement schedule information corresponding to customer information connected to the financial terminal from the storage medium 130 and provides the financial terminal to the financial terminal. It is characterized by.

A financial system for providing a financial terminal-based non-face-to-face financial transaction may include opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. A computer system provided in an institution, which processes accounting operations such as credits or receptions or trusts or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., Internet banking) provided in the information system, the interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. , Wireless Banking, IC Chip Based Wireless Banking, Home Banking, Telebanking, TV King, etc.), and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and / or The financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information) required for each function in a component in the financial system. , And / or at least one database for storing and managing management information, and / or customer relationship management (CRM) information acquired by the financial institution in processing a financial transaction to the financial transaction customer. It characterized by comprising a.

In addition, the financial system is provided in at least one or more branches (and / or branches) and / or public places through a predetermined financial network (eg, CD common network) to provide the financial terminal-based non-face-to-face financial transactions. And a communication terminal connected to a financial terminal including the CD / ATM, and performing at least one ledger-based financial transaction procedure for the financial terminal.

The financial terminal is a financial automation device that is provided at a branch (and / or branch) of a financial institution corresponding to the financial system, and / or includes a CD / ATM provided in a public place. It is characterized in that the communication is connected through a network (for example, CD common network).

In the financial transaction process through the financial terminal, at least one financial transaction customer has predetermined financial instrument information in a card reader of a financial terminal such as a CD / ATM provided at the branch (and / or branch) and / or public place. An integrated circuit with a bankbook with stored MS (Magnetic Stripe), and / or an MS card (e.g., a cash card, debit card, etc.) with predetermined financial instrument information, and / or predetermined financial instrument information. When a card (eg, a cash card, a debit card, an electronic bank account) is inserted, and at least one financial transaction information is input (or selected) through a financial transaction interface screen provided by the financial terminal, the financial terminal receives the financial information. A predetermined message including means information and financial transaction information is generated and transmitted to the financial system through the financial network.

Thereafter, the financial terminal completes the financial transaction requested by the financial transaction customer by outputting the financial transaction result (eg, screen output and / or print output).

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the financial terminal for each financial institution, so the detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the financial system processes a financial transaction corresponding to the transmitted financial transaction information through a financial means corresponding to the financial means information transmitted from the financial terminal, and returns the result to the financial network. In the process of transmitting to the financial terminal through, the information providing server 305 extracts (or confirms) the customer payment schedule information corresponding to the customer information connected to the financial terminal, the extracted (or confirmed) customer payment The schedule information is transmitted to the financial terminal.

In addition, according to another embodiment of the present invention, the information providing server 305 extracts (or confirms) the customer payment schedule information corresponding to the predetermined customer information from the storage medium 130, and the extracted customer payment schedule After the information is transmitted to the financial terminal to be pre-stored in a predetermined memory in the financial terminal, and when the customer starts a predetermined financial transaction using the financial terminal, the financial transaction customer information is confirmed and the confirmation is performed. The customer payment schedule information previously stored in the memory is output in response to the received customer information.

Referring to FIG. 21, the information providing server 305 is interlocked with the financial system through the external system, and the external system is configured to interwork with the information providing server 305 through a predetermined interface means. It is preferred to include the element.

Referring to FIG. 21, the information providing server 305 is configured to receive the financial terminal connection customer information from the financial terminal or the financial system when the financial terminal accesses the financial system for a predetermined financial transaction. An information extracting unit 1830 for extracting customer payment schedule information corresponding to the customer information from a storage medium 130 with reference to a receiver, the received customer information, and the extracted customer payment schedule information with the financial terminal. It characterized in that it comprises an information transmitting unit 1825 to be transmitted to.

The information receiving unit reads a predetermined message (or data) transmitted from the financial terminal to the financial system in the process of accessing the financial system for a predetermined financial transaction, and reads the financial transaction customer information. And receiving the received financial transaction customer information to the information extraction unit 1830.

When the customer information using the financial terminal is received (or confirmed) through the information receiver, the information extracting unit 1830 interworks with the storage medium 130 to correspond to the received (or confirmed) customer information. Characterized in that the customer payment schedule information is extracted from the author AM body, and the extracted customer payment schedule information is transmitted to the information transmission unit 1825.

According to FIG. 21, although the storage medium 130 is illustrated as being associated with the information providing server 305, the present invention is not limited thereto, and the storage medium 130 may be provided at the information providing server 305. Or may be included in a DBMS on the financial system.

When the customer payment schedule information corresponding to the financial transaction is extracted through the information extracting unit 1830, the information transmitter 1825 transmits the extracted customer payment schedule information to the financial terminal through the financial network. Characterized in that.

22A and 22B illustrate a process of providing customer settlement schedule information corresponding to the financial transaction customer information to the financial terminal when using the financial terminal according to another embodiment of the present invention.

More specifically, FIGS. 22A and 22B perform a predetermined financial transaction (or financial transaction details inquiry) through the financial terminal in a financial terminal-based non-face-to-face financial transaction process through the information providing system shown in FIG. 21. As an embodiment of the present invention, a method of providing the customer settlement schedule information to a customer, and a person having ordinary knowledge in the art to which the present invention pertains, refers to and / or modifyes the drawings 22a and 22b. Although various information providing methods using the financial terminal-based non-face-to-face financial transaction channel may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 22A and 22B. No.

22a shows that the financial system processes a financial transaction corresponding to the transmitted financial transaction information through a financial means corresponding to the financial instrument information transmitted from the financial terminal, and sends the result to the financial terminal through the financial network. In the transmission process, the information providing server 305 checks the customer information for the financial transaction through the financial terminal, extracts the customer payment schedule information corresponding to the customer information from the storage medium 130, A method for transmitting the extracted customer payment schedule information to the financial terminal and outputting the transmitted customer payment schedule information from the financial terminal, and FIG. 22b shows customer payment schedule information corresponding to predetermined customer information. Extracted from the storage medium 130, and transmits the extracted customer payment schedule information to a predetermined financial terminal, the financial terminal After the pre-stored in the predetermined memory, if the customer initiates a predetermined financial transaction using the financial terminal, the customer information is confirmed, the pre-stored in the financial terminal memory corresponding to the confirmed customer information The present invention relates to an implementation method for outputting customer payment schedule information.

Referring to FIG. 22A, an MS in which a predetermined financial transaction customer stores predetermined financial instrument information in a card reader of a financial terminal including a CD / ATM provided at a branch (or branch) and / or a public place of the financial institution ( A customer-owned bank with magnetic stripe) and / or a customer-owned MS card (e.g., a cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or a customer-owned IC equipped with predetermined financial instrument information When an integrated circuit card (eg, a cash card, a debit card, or an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and enters a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. Accordingly, read predetermined financial instrument information (e.g., an account number provided in the financial system corresponding to a financial transaction customer) from the customer-owned bank account and / or MS card and / or IC card. At least one financial transaction information corresponding to the financial transaction requested (or selected) by the financial transaction customer (e.g., during a bank transfer transaction, a deposit account number, a bank transfer amount, a withdrawal account (customer account) password, etc.) Process the input (2200a).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. Since it will be familiar with the process of reading predetermined financial instrument information from an IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the financial transaction customer. Is omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system and the information providing server 305 through a predetermined financial network (for example, a CD common network) (2205a). The system (eg, a ledger server provided in the financial system) processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. In operation 2210a, a predetermined financial transaction result corresponding to the financial transaction process is generated.

Here, the information providing server 305 checks the customer information of the customer performing the financial transaction in association with the financial system (2215a), and in conjunction with the storage medium 130, the confirmed financial transaction customer information Customer payment schedule information corresponding to the extracted from (or confirmed) from the storage medium 130 (2220a).

In addition, the information providing server 305 transmits the customer settlement schedule information of the financial transaction customer extracted from the storage medium 130 to the financial terminal (2225a), and the financial terminal transmits the customer settlement schedule. The information is output on the screen (2230a).

Referring to FIG. 22B, the information providing server 305 extracts (or confirms) customer settlement schedule information corresponding to a predetermined financial transaction customer from the storage medium 130 (2200b), and then stores the information from the storage medium 130. The extracted (or confirmed) payment schedule information is transmitted to a predetermined financial terminal (2205b).

Then, the financial terminal stores the transmitted customer payment schedule information in a predetermined memory provided in the financial terminal (2210b), and the customer payment schedule information stored in the memory is preferably updated periodically.

Thereafter, the MS (Magnetic Stripe) in which the predetermined financial instrument information is stored in the card reader of the financial terminal including the CD / ATM provided at the branch (or branch) and / or public place of the financial institution is provided. Customer-owned bank account, and / or customer-owned MS card (e.g., cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or customer-owned integrated circuit (IC) equipped with predetermined financial instrument information When a card (eg, a cash card, a debit card, an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and is owned by the customer according to a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. Read predetermined financial instrument information (e.g., an account number provided in the financial system corresponding to a financial transaction customer) from the bankbook and / or the MS card and / or the IC card, Entering and processing at least one financial transaction information (e.g., deposit account number, bank transfer amount, withdrawal account (customer account password), etc.) corresponding to the financial transaction requested by the fusion transaction customer (2215b), the financial terminal transmits the financial instrument information and financial transaction information to the financial system and the information providing server 305 through a predetermined financial network (eg, CD common network) (2220b), and the financial system (Eg, a ledger server provided in the financial system) processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information, A predetermined financial transaction result corresponding to the financial transaction processing is generated (2225b).

In this process, the financial terminal checks customer information of the financial transaction customer, extracts (or confirms) customer settlement schedule information stored in the memory in response to the confirmed customer information (2230b), and extracts (or Confirmed) outputs the financial transaction customer settlement schedule information (2235b).

According to the present invention, there is an advantage in that a fee policy of a deposit and withdrawal notification service level is implemented, and a fee policy is established by packaging with a deposit and withdrawal notification service, thereby creating an opportunity for importing an electronic finance fee.

In addition, by providing the first asset management prediction service compared to competitors, there is an advantage that can enhance the brand image.

In addition, by reducing the customer delinquency rate and customer disadvantage due to the suspension of service, there is an advantage that can improve customer satisfaction.

In addition, the C / C computer load can be reduced by reducing the number of C / C rework due to an increase in payment success rate.

In addition, there is an advantage that it is possible to provide an integrated management service of bill payment (window, ATM, direct debit, etc.).

Claims (1)

Collecting payment due amount information of a customer in a predetermined information receiving means; Checking the balance of the customer's payment account in a predetermined information checking means, and confirming whether or not the collected payment scheduled payment can be processed through the customer payment account; If the balance of the customer's payment account is insufficient as a result of the checking, generating predetermined payment account balance lack information by a predetermined information generating means; Transmitting, by a predetermined information transmitting means, the generated shortage balance information to the customer communication means; On or before the payment day, the customer's payment account is reconfirmed through the information checking means, and if the balance of the customer's payment account is still insufficient as a result of the reconfirmation, the second or second customer communication means lacks the payment account balance. The information providing method comprising the; information to be notified.

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