KR20090001922A - System and method for judging auto-delaying of giving credit and program recording medium - Google Patents

Abstract

A system and a method for judging auto-delay of a credit loan are provided to maximize efficiency of business in a finance institution and reduce an amount of workload by automatically judging auto-delay of a credit loan. A system and a method for judging auto-delay of a credit loan comprise the following steps. At least one credit finance goods owned by a customer is confirmed through ledger information corresponding to predetermined customer information in a predetermined ledger confirmation unit. Expiration of the confirmed credit finance goods owned by a customer is confirmed in a predetermined expiration confirmation unit. Auto-delay credit finance goods is confirmed among credit finance goods whose expiration comes in a predetermined information confirmation unit.

Description

System and Method for Judging Auto-delaying of Giving Credit and Program Recording Medium}

1 is a view showing an automatic smoke screening processing system for the automatic smoke screening for personal credit according to an embodiment of the present invention.

2 is a view showing the configuration of the audit target customer information stored in the database associated with the ledger D / B provided in the DBMS on the financial system for the automatic deferment of personal credit in accordance with another embodiment of the present invention.

3 is a view showing the configuration of the audit target customer information stored in the DBMS provided in the banking server for the automatic postponement examination of the personal credit according to another embodiment of the present invention.

4 is a diagram illustrating an automatic smoke screening process for an automatic smoke screening of a personal credit according to an embodiment of the present invention.

5 is a diagram illustrating an automatic deferred consent information registration system of a face-to-face method for automatic deferred consent for a personal credit financial product according to an exemplary embodiment of the present invention.

6 is a view showing the configuration of the automatic deferred consent information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the automatic deferment agreement for personal credit financial products according to an embodiment of the present invention.

FIG. 7 illustrates the configuration of automatic deferred consent information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for automatic deferment of personal credit financial products according to another embodiment of the present invention. Figure is shown.

FIG. 8 is a diagram illustrating a configuration of automatic deferred consent information stored in a DBMS provided in a banking server in a face-to-face manner for automatic deferred consent for a personal credit financial product according to another embodiment of the present invention.

9A and 9B are diagrams illustrating a process of registering automatic smoke consent registration information in a face-to-face manner according to one embodiment of the present invention.

10A and 10B illustrate a process of registering automatic smoke consent registration information in a face-to-face manner according to another exemplary embodiment of the present invention.

11A and 11B illustrate a process of registering automatic smoke consent registration information in a face-to-face manner according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face automatic deferred consent information registration system for automatic deferred consent for a personal credit financial product according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a configuration of automatic deferred consent information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for automatic deferment of personal credit financial products according to an embodiment of the present invention. .

14 is an automatic deferred consent registration information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for automatic deferred agreement for personal credit financial products according to another embodiment of the present invention Figure is a diagram.

FIG. 15 is a diagram illustrating a configuration of automatic deferred consent information stored in a DBMS provided in a banking server in a non-face-to-face manner for automatic deferred consent for a personal credit financial product according to another embodiment of the present invention.

16A and 16B illustrate a process of registering automatic deferred consent registration information in a non-face-to-face manner for automatic deferred consent for a personal credit financial product according to one embodiment of the present invention.

17A, 17B, and 17C illustrate a process of registering automatic deferred motion registration information through a non-face-to-face financial transaction channel for automatic deferred motion for a personal credit financial product according to one embodiment of the present invention.

<Description of main parts of drawing>

100: examination processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: ledger check unit 125: maturity check unit

130: information verification unit 135: automatic smoke screening unit

140: information storage unit 145: storage medium

The present invention includes the steps of checking the ledger information corresponding to the predetermined examination target customer information in a predetermined ledger confirmation means to identify at least one credit financial product held by the customer, and the customer identified in the predetermined maturity confirmation means. Identifying credit loans of maturity among the held credit loans; checking credit loans eligible for automatic deferral among credit loans due to the predetermined information at the predetermined information checking means; The present invention relates to a method for automatically deferring a credit, including storing credit information on an auto deferred credit product in a predetermined storage medium in association with the customer information.

In general, the postponement process due to the maturity of personal credits in financial institutions is handled by the competence of the person in charge. Therefore, when the credit case due to maturity or other tasks are concentrated, the postponement process is naturally delayed.

An object of the present invention for solving the problem, the ledger verification means for confirming the ledger information corresponding to the predetermined audit target customer information to confirm at least one or more credit financial products held by the customer, and the confirmed customer possession Among the credit financing, the expiration confirming means for checking the maturity of the maturity of the loan, information confirmation means for identifying the credit financing products eligible for automatic deferral of the maturity of the maturity of the credit and the deferred credit financial information It is an object of the present invention to provide an automatic smoke screening system including information storage means for processing the customer information in a predetermined storage medium.

The automatic postponement audit method according to the present invention comprises the steps of checking at least one credit financial product held by the customer by checking the ledger information corresponding to the predetermined examination target customer information in a predetermined ledger checking means, and predetermined expiration. Identifying credit loans of maturity among the identified customer-owned loan financial instruments in the checking means, checking credit loans subject to automatic deferral among the maturity loans in the predetermined information checking means, and And the step of storing the information on the automatic deferred credit financial product information in a predetermined storage medium in a predetermined information storage means in association with the customer information.

According to the present invention, the automatic deferred examination method, the predetermined information confirmation means for checking the credit deferred financial products subject to automatic deferred examination of the maturity of the maturity, and the identified maturity in the automatic deferred examination means Periodically determining whether or not recoverable loans of credit loans subject to automatic deferral examination, and if it is determined that the collection of credit loans subject to automatic deferred examination is possible in the prescribed information storage means, the automatic deferred payment And adding the audited credit financial product to the automatic deferred credit financial product and storing it in the storage medium.

According to the present invention, the automatic deferred audit method, characterized in that the predetermined information transmission means comprising the step of transmitting the credit information on the automatic deferred credit product to the customer communication means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described automatic smoke screening method.

On the other hand, the automatic smoke screening system according to the present invention, the ledger verification means for confirming the ledger information corresponding to the predetermined audit target customer information to confirm at least one or more credit financial products held by the customer, and the confirmed customer retention Among the credit financing, the expiration confirming means for checking the maturity of the maturity of the loan, information confirmation means for identifying the credit financing products eligible for automatic deferral of the maturity of the maturity of the credit and the deferred credit financial information And information storage means for storing the data in a predetermined storage medium in association with the customer information.

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 diagram illustrating an automatic smoke screening processing system for the automatic smoke screening for a personal credit according to an embodiment of the present invention.

In more detail, Figure 1 shows that employees of a given financial institution branch (or headquarters or a branch office) store at least customer-specific information for an automatic deferred examination of a predetermined customer's personal credit through the predetermined information registration interface. When providing the audited customer information including one or more, the ledger information corresponding to the customer-specific information included in the audited customer information provided from the ledger D / B (or storage medium 145) in the automatic smoke audit processing system (E.g., an account ledger, a loan ledger, etc.), and checks whether or not automatic credit is deferred for the credit financial instruments of which at least one credit financial instrument held by the customer is due, and after which credit is not available. By identifying whether or not the financial product can be recovered, the information on the automatic deferred non-deferred loan financial products and the customer information System configuration for processing and storing and registering in a predetermined storage medium 145 (or automatic smoke audit target ledger), if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. It will be possible to infer various implementation methods for the automatic smoke screening processing system configuration for the automatic smoke screening for personal credit by modifying, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 1 It is not limited to only.

Hereinafter, on the automatic deferred audit processing system shown in FIG. Checking, the component corresponding to at least one or more means or functional configuration for storing the identified auto-deferred non-credit financial product information in association with the customer information in the storage medium 145 for convenience "audit processing server ( 100) ".

Referring to FIG. 1 according to an embodiment of the present invention, an automatic smoke screening processing system for the automatic smoke screening of the personal credit includes at least one window terminal provided at at least one branch of a financial institution (or a branch or a main office). Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the examination processing server 100 provided on the automatic smoke screening processing system through a predetermined financial network.

According to an embodiment of the present invention, the employee inputs (or selects) predetermined information for the automatic deferred examination of the personal credit through a predetermined teller terminal, and the teller terminal enters (or selects) the information. It is preferable to transmit the information to the audit processing server 100 provided on the automatic smoke audit processing system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided at the branch (or the main office or a branch) of the financial institution, and the examination processing server 100 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, wherein the financial network connecting the teller terminal and the examination processing server 100 connects the communication network between the teller terminal and the examination processing server 100 It is preferable to comprise a.

The automatic smoke screening processing system includes a predetermined financial system for computerized processing corresponding to a financial transaction (for example, credit, receiving, currency exchange, foreign currency remittance, and financial investment) service for automatic smoke screening of the personal credit. Characterized in that made.

According to an embodiment of the present invention, the financial system is connected to at least one or more window terminals provided at a branch (or a branch or a main branch) of the financial institution through a predetermined financial network (for example, a branch network). In addition, it is desirable to provide a ledger management and computerized processing function in connection with the teller terminal for the automatic smoke screening of the personal loan.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided at an institution (or branch of another financial institution) and a predetermined financial network (eg, a CD common network), and the financial terminal for automatic deferred examination of the personal credit. It is desirable to provide ledger management and computerized functions for non-face-to-face financial transactions in conjunction with

Referring to FIG. 1, the financial system is provided to the financial institution to provide an automatic postponement examination service for at least one or more personal credits for a predetermined financial transaction customer from a branch (or branch or main office) employee of the financial institution. An accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), and an information system for processing a headquarters business and supporting branch information and customer information management. And interconnection between the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) provided in at least one or more external communication networks. Wireless banking, telebanking, TV banking, etc.) Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform that provides the data, and stores the predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database to be managed.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to at least one financial transaction customer, at least one or more financial transaction services (for example, credit) based on the financial account And a ledger D / B for storing at least one ledger for providing a financial product service, etc., wherein the ledger D / B includes at least one financing provided by the financial institution to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) The ledger additional information is characterized in that it is stored in association with the 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 stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

In the automatic smoke screening processing system according to the present invention, a window terminal used by the window staff and a financial network connecting the window terminal and the examination processing server 100 are automatically deferred by the employee to a predetermined credit of a customer. It performs the function of the information registration interface for registering the customer information to be audited for the audit.

The storage medium 145 provided on the automatic smoke audit processing system according to the present invention links the customer specific information included in the audit target customer information provided from the information registration terminal and credit automatic product for automatic smoke audit target information. Characterized in that the processing and storing, the automatic deferred credit target product information corresponding to the examination target customer information including at least one of the customer-specific information stored in the storage medium 145 is automatically deferred for the personal credit It is used for the audit.

The customer information includes personal information of the customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, possession (or subscription) financial product information, etc.), and the customer includes the audit processing server ( 100) (or a financial institution server interoperating with the audit processing server) preferably includes at least one member information (for example, member ID information).

The credit information on the subject of automatic deferred payment is determined by the screening server 100 for automatic credit through the screening server 100 for credit credits with maturity among at least one credit financial instrument held by the customer. It is preferable that the information includes at least one information on non-deferred loanable credit products, which is determined whether the loanable financial products are recoverable or not.

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the automatic smoke screening processing system (or associated with the automatic smoke screening processing system). When the storage medium 145 is a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

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

The examination processing server 100 provided on the automatic smoke screening processing system according to the present invention is a generic term for the components of the automatic smoke screening processing system connected to the information registration terminal through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

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

According to the implementation method of the present invention, the examination processing 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 financial network.

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

Referring to FIG. 1, in the examination processing server 100, a predetermined information registration terminal connects a communication channel with the examination processing server 100 through the interface unit 105, and then connects with the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined audit target customer information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving predetermined examination target customer information that is input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; Check the ledger information corresponding to the customer information to be audited and the ledger check unit 120 to confirm at least one credit financial product held by the customer, and The maturity check unit 125 confirms the credit financing of maturity among the customer-owned credit financial instruments, and the credit deferred financial instruments subject to automatic deferral and the credit deferred financial instruments subject to automatic deferred examination. Checking information confirmation unit 130 and the automatic smoke screening unit 135 to determine whether or not to recover the credit financing products subject to the automatic deferred examination of the credit loan products of the maturity of the maturity, to determine whether or not recoverable credit financial products ) And the information storage unit 140 for storing the credit information on the automatic smoke screening target in association with the customer information and storing the credit information on the storage medium 145.

The interface providing unit 110 connects a communication channel with the examination processing server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Create a predetermined user interface capable of inputting (or selecting) audit target customer information to the audit processing server 100 through the financial network, or extracting from a predetermined database (not shown), and the interface unit. In operation 105, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another exemplary embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the target customer information to the information registration terminal and transmitting the selected customer information to the audit processing server 100 through the financial network. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) audit target customer information including at least one or more customer-specific information based on the user interface, and inputs the input (or selected) audit target customer information to the financial network. Through the transmission to the examination processing server 100.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) audit target customer information including at least one or more customer-specific information through the user interface, the information registration unit 115 transmits the information through the financial network. And receiving the audit target customer information in conjunction with the), and provides the received audit target customer information to the ledger check unit 120.

The ledger check unit 120 checks the ledger information (eg, ledger information stored in the account ledger or the loan ledger) corresponding to the examination target customer information received through the information receiver 115 in association with the financial system. Characterized in that at least one credit financial product held by the customer, characterized in that for providing the confirmed credit financial product information to the maturity check unit 125.

The maturity check unit 125 checks the expiration date information of the corresponding product from the customer credit financial product information confirmed through the ledger check unit 120, the maturity has arrived (for example, a month before maturity, etc.) Characterized in that the check, and provides the credit confirmation information on the maturity to the information verification unit 130.

When the information confirmation unit 130 is provided with the maturity credit loan product information through the maturity check unit 125, the credit loan subject to automatic delinquency of the maturity credit loans and credit deferred subjects subject to automatic deferred examination It is characterized in that to confirm the product and to store the automatic deferred audit target financial product information in the storage medium 145 (or automatic deferred audit target ledger D / B) through the information storage unit 140.

Here, the automatic deferred credit financing product satisfies a predetermined condition among the credit financing products due to the expiration of the customer, characterized in that it comprises a credit financial product capable of automatic deferral by the customer's predetermined consent.

For example, a predetermined condition that enables automatic deferment of the credit financial product may include a case where the credit financial product is a negative bank account, a bank account balance does not become negative, or there is no loan interest delinquency.

In addition, when the credit financing product is a negative bank account, the credit loans subject to automatic deferred examination include a credit banking product that does not automatically defer due to the balance of the bank account remaining negative or a loan interest delinquency. It is done.

The automatic deferred examination unit 135 periodically checks the credit deferred financial products of the automatic deferred credit loans from the credit deferred credit financial products through the information verification unit 130. Judging by the possibility of judging.

According to the implementation method of the present invention, the automatic deferred examination unit 135 periodically (for example, about five times within the maturity, etc.) from a specific date (for example, one month before maturity, etc.) with respect to the credit deferred financial products. Characterized in that it is possible to determine whether or not recoverable, and if it is determined that the creditable financial products subject to automatic deferred examination is recoverable, the information storage unit 140 provides information on the credited financial products subject to automatic deferred examination to the information storage unit 140. do.

The information storage unit 140, through the automatic smoke screening unit 135, if the automatic credit screening target loans are normally recovered within the expiration date, or recoverable, the credit information on the automatic postponement screening credit information with the customer information; The storage medium 145 may be stored in the storage medium 145. The storage medium 145 may be provided in the audit processing server 100 or may be provided on a network associated with the audit processing server 100. In this case, the information storage unit 140 is preferably stored in the storage medium 145 by linking and processing the customer-specific information included in the received audit target customer information, the storage medium 145 on the financial system When provided in the DBMS provided in the, the information storage unit 140, the information unique to the customer included in the received audit target customer information through the external system on the financial system By providing a is preferably stored in a DBMS provided on the financial system.

According to the implementation method of the present invention, the audit processing server 100 records the automatic deferred audit processing details for the credit financing of the customer the customer communication means (for example, mobile phone, e-mail, messenger, blog, mini homepage, fax) , ARS, etc.) may be configured to further include an information transmitter (not shown).

2 is a view showing the configuration of the audit target customer information stored in the database associated with the ledger D / B (200) provided in the DBMS on the financial system for the automatic postponement examination of the personal credit according to another embodiment of the present invention to be.

In more detail, FIG. 2 shows an information structure for an implementation method in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 2 to process the target customer information in a predetermined database in association with the ledger D / B 200. Although various methods of constructing information may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In particular, in FIG. 2, when it is not easy to store the subject customer information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). When it is not easy to change the D / B 200 or the system expansion is not easy due to the characteristics of the financial system), the subject customer information is stored in a predetermined database instead of the ledger D / B 200. , An implementation method of linking and storing the database and the ledger D / B 200 is illustrated.

In addition, the database shown in FIG. 2 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 2, and the database on the Internet banking system, or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 2, the database is characterized in that the customer-specific information included in the audited customer information is linked to store, and the audited customer information to be processed in connection with the ledger D / B (200) Preferably, the examination target customer information further includes a CIF number corresponding to the ledger information.

The customer information includes personal information of the customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, possession (or subscription) financial product information, etc.), and the customer includes the audit processing server ( 100) (or a financial institution server interworking with the audit processing server) preferably comprises at least one member information (eg, member ID information) subscribed to.

The credit information on the subject of automatic deferred payment is determined by the screening server 100 for automatic credit through the screening server 100 for credit credits with maturity among at least one credit financial instrument held by the customer. It is preferable that the information includes at least one information on non-deferred loanable credit products, which is determined whether the loanable financial products are recoverable or not.

3 is a view showing the configuration of the audit target customer information stored in the DBMS provided in the banking server for the automatic deferment of personal credit in accordance with another embodiment of the present invention.

In more detail, FIG. 3 shows a DBMS in which the storage medium 145 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those of ordinary skill in the art to which the present invention belongs, the object of examination stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 3 It will be possible to infer a method of constructing information on customer information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 3, a predetermined DBMS provided in the banking server may store and store customer-specific information linked to the customer information included in the audit target customer information.

The customer information includes personal information of the customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, possession (or subscription) financial product information, etc.), and the customer includes the audit processing server ( 100) (or a financial institution server interoperating with the audit processing server) preferably includes at least one member information (for example, member ID information).

The credit information on the subject of automatic deferred payment is determined by the screening server 100 for automatic credit through the screening server 100 for credit credits with maturity among at least one credit financial instrument held by the customer. It is preferable that the information includes at least one information on non-deferred loanable credit products, which is determined whether the loanable financial products are recoverable or not.

4 is a diagram illustrating an automatic smoke screening process for an automatic smoke screening of a personal credit according to an embodiment of the present invention.

In more detail, FIG. 4 shows that employees of a predetermined financial institution branch (or headquarters or a branch office) perform an automatic smoke screening of a predetermined customer personal credit through the automatic smoke screening processing system shown in FIG. 1 through a predetermined information registration interface. When the audit target customer information including at least one or more customer specific information is provided, the automatic smoke audit processing system includes the audit target customer information included in the audit target customer information provided from the ledger D / B 200 (or the storage medium 205). By checking the ledger information (e.g., account ledger, loan ledger, etc.) corresponding to the customer-specific information, it is confirmed whether or not automatic deferment is possible for credit loans of maturity among at least one credit loan held by the customer. Afterwards, it is possible to determine whether or not it is possible to recover credit loans that cannot be automatically deferred, This is a process of storing and registering a beam in connection with the customer information in a predetermined storage medium 205 (or an automatic smoke audit target ledger), and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the reference 4, it is possible to infer various implementation methods for the process of the automatic smoke screening process for the automatic smoke screening for the personal loan, the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, in Fig. 4, the window terminal shown in Fig. 1 is referred to as a “terminal” for convenience, and the screening server 100 shown in Fig. 1 is referred to as a “server” for convenience, and the screening process is performed in the window terminal. The customer specific information transmitted to the server 100 is referred to as "audit target customer information" for convenience.

Referring to FIG. 4, the window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the subject customer information, and automatically defers the personal credit. When requesting the audit target customer information registration (400), the server generates (or extracts) a predetermined information registration interface for registering the audit target customer information (405), and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) audit target customer information including at least one of the customer specific information in the terminal.

Thereafter, the terminal inputs (or selects) audit target customer information including at least one customer-specific information through the information registration interface (415).

If the examination target customer information including the customer-specific information is input (or selected) through the information registration interface in the terminal (420), the terminal receives the customer-specific information input (or selected) through the financial network. The target customer information including the transmission is transmitted to the server (425).

Thereafter, the server receives and reads the customer specific information through the financial network to check the validity of the audit target customer information (430).

According to an embodiment of the present invention, the validation of the audited customer information includes at least one ledger matched with the audited customer information in the ledger D / B 200 on the financial system linked to the automatic smoke audit processing system. It is preferable to include checking whether the information is registered.

For example, the validity of the audited customer information is matched with the customer ledger stored in the ledger D / B 200 on the financial system linked to the automatic smoke audit processing system. It is preferable to include checking whether or not.

Then, the server checks the customer specific information included in the customer information to be audited, in conjunction with the financial system, retrieves the ledger corresponding to the confirmed customer unique information, to confirm at least one or more credit financial product information ( Or extract (435).

In addition, the server refers to the confirmed credit financial product information, to check the information on the credit financial products of the maturity of the corresponding credit financial products (440), if there exists a credit financial product has expired (445) In step S450, the credit financial product that has reached maturity is determined to be the credit financing product to be automatically deferred.

Herein, the credit deferred financial products subject to automatic deferred examination include credit loans that are not automatically deferred because the balance of the bank account remains negative or loan interest is delinquent when the credit financial instrument is a negative bank account. It is done.

On the other hand, if the credit loan has reached maturity, the server stores the automatic deferred financial product information in the storage medium 205 (or automatic deferred financial product ledger D / B (200)) do.

Here, the automatic deferred credit financing product satisfies a predetermined condition among the credit financing products due to the maturity of the customer, characterized in that it includes a credit financial product capable of automatic deferral by the customer's predetermined consent.

For example, a predetermined condition that enables automatic deferment of the credit financial product may include a case where the credit financial product is a negative bank account, a bank account balance does not become negative, or there is no loan interest delinquency.

On the other hand, if the credit financing has reached maturity is subject to automatic deferred examination (455), the server performs an automatic deferred examination for the credit financing has reached maturity (460).

Here, the server is characterized in that it is possible to determine whether the automatic deferred credit target financial products can be periodically recovered (eg, about five times within the maturity) from a specific date (for example, one month before the maturity), If it is determined that the credit deferred financial product subject to automatic deferred examination is recoverable (465), the credit deferred financial object information deemed recoverable is determined by the automatic deferred examination subject ledger D / B 200 (or storage medium) 205), and the associated information is stored in the automatic postponing ledger D / B 200 in step 470.

According to one embodiment of the invention, the storage medium 205 is preferably provided in a DBMS on a financial system provided on the automatic smoke screening processing system (or associated with the automatic smoke screening processing system). At this time, the storage medium 205 may be a ledger D / B (200) provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B (200), whereby the present invention is limited Not.

According to another embodiment of the present invention, the storage medium 205 is provided on (or associated with) the automatic smoke screening system, an internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Subsequently, the server generates predetermined credit credit product automatic deferred examination processing history information and transmits it to the terminal, or transmits it to the customer communication means to complete the automatic credit deferred examination process.

FIG. 5 is a diagram illustrating an automatic deferred consent information registration system in a face-to-face manner for automatic deferred consent for a personal credit financial product according to an exemplary embodiment of the present invention.

In more detail, Figure 5 is a predetermined customer to prepare an automatic deferred consent application for the automatic deferred credit financial products identified through the automatic deferred audit processing system for the automatic deferred examination of the personal credit shown in Figure 1 When submitted, the predetermined window terminal acquires predetermined image contents corresponding to the automatic deferred consent application through a predetermined image acquisition device, and the automatic deferred consent application to the automatic deferred consent information registration system through a predetermined information registration interface. When providing the automatic smoke agreement registration information corresponding to the and the image content obtained from the automatic smoke agreement application, generates a predetermined automatic smoke agreement electronic document containing the image content and store in a predetermined electronic document storage, The above customer information included in the automatic deferred consent information, automatic deferred The present invention relates to a system configuration for cooperatively processing information stored in a predetermined storage medium 545. Specifically, the electronic document repository is provided on an external system associated with the automatic smoke consent information registration system through a predetermined communication means. It is about the implementation method.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 5 to infer various implementation methods for the automatic deferred consent information registration system for automatic deferred consent for personal credit financial products. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 5 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the automatic smoke consent information registration system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 5, the automatic deferred consent electronic document corresponding to the automatic deferred consent application is illustrated as being generated on the server side on the automatic deferred consent information registration system. The automatic deferred consent electronic document may be generated by a terminal that acquires image content corresponding to the automatic deferred consent application through a predetermined image acquisition device (for example, an electronic device provided on the server side). The document generation function is provided on the terminal side to generate the automatic postponement electronic document), whereby the present invention is not limited.

Hereinafter, the automatic deferred consent information and image contents corresponding to the application for automatic deferred consent written by the customer are provided through a predetermined information registration interface on the automatic deferred consent information registration system shown in FIG. A component corresponding to at least one or more means or functional configuration for generating a document and storing it in a predetermined electronic document storage and storing the automatic smoke consent registration information in a predetermined storage medium 545 may be referred to as "information registration server 500". ) "

Referring to this figure 5 according to the embodiment of the present invention, the automatic deferred consent information registration system for automatic deferred consent for the personal credit financial products, the window provided in at least one branch (or branch or head office) of the financial institution Characterized in that it comprises an information registration terminal 570 comprising a terminal, the information registration terminal 570 is an information registration server 500 provided on the automatic postponement consent information registration system through a predetermined financial network And communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or branch or main branch) for the automatic deferment of the personal credit financial product, and visits the financial institution branch (or branch or main branch). At least one information item for the automatic deferred consent application (e.g., the automatic deferred consent for the personal credit financial product) through the provided counter (or through the cashier) for the automatic deferred consent for the personal credit financial product. A document with a form for filling out the form, wherein the customer is to seal the customer's seal for the legal basis for the automatic deferred consent application.

Subsequently, when the customer submits the completed automatic postponement consent application to the counter staff, the counter staff scans the automatic postponement consent application through a predetermined image acquisition device to acquire predetermined image contents, and the predetermined counter terminal Input (or select) automatic smoke consent registration information including at least one image content acquired in response to the automatic smoke consent application, at least one of customer information and automatic smoke consent information written in the automatic smoke consent application, and correspondingly Preferably, the window terminal transmits the image content and the auto smoke agreement registration information to the information registration server 500 provided on the auto smoke agreement information registration system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch or head office) of the financial institution, the information registration server 500 is connected to the window terminal on the predetermined financial system It is preferable to include a provided server (eg, ledger server, etc.), the financial network connecting the teller terminal and the information registration server 500 connects the communication channel between the teller terminal and the information registration server 500. It is preferable to comprise the network to say.

In the automatic postponement consent information registration system as described above, an image acquiring device for acquiring image contents corresponding to the automatic postponement consent form created by the customer, the counter terminal used by the employee, the counter terminal and the information registration server ( The financial network connecting 500 performs a function of an information registration interface for the customer to register automatic deferred consent registration information for automatic deferred consent for the personal credit financial product.

The storage medium 545 provided on the automatic smoke agreement information registration system according to the present invention links the customer information and automatic smoke agreement information included in the automatic smoke agreement information provided from the information registration terminal 570. Process and store the data in a predetermined storage medium 545.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

According to one embodiment of the invention, the storage medium 545 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 545 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 545 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The information registration server 500 provided on the automatic deferred consent information registration system according to the present invention is a generic term for the components of the automatic deferred consent information registration system connected to the information registration terminal 570 through a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 570 is a window terminal connected to a predetermined financial network, the information registration server 500 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal 570 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 570 is a window terminal that is connected to a predetermined financial network, the interface unit 505 may select the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 5, when the predetermined information registration terminal 570 connects a predetermined communication channel with the information registration server 500 through the interface unit 505, the individual Acquisition of image contents corresponding to the application form for automatic deferred consent written by the customer through a predetermined image acquisition device provided in the information registration terminal 570 for automatic deferment of credit financial products, Generate (or extract) at least one user interface for inputting (or selecting) the corresponding auto-smoke agreement registration information to be transmitted to the information registration server 500, and generating the at least one user interface in association with the interface unit 505. Or an interface providing unit 510 for providing the extracted user interface to the information registration terminal 570 and the user in the information registration terminal 570. If the automatic smoke consent registration information corresponding to the automatic smoke agreement application is input (or selected) through a face, the automatic smoke consent registration transmitted from the information registration terminal 570 in association with the interface unit 505 is transmitted. When the information receiving unit 515 receiving the information and the information registration terminal 570 acquires and transmits the image contents corresponding to the application form automatically submitted by the customer through a predetermined image obtaining apparatus based on the user interface. And an image receiving unit 520 which receives the image content corresponding to the automatic deferred consent application in association with the interface unit 505.

The interface providing unit 510 connects a predetermined communication channel with the information registration server 500 through the interface registration unit 505, and then the information registration server 500 sends the information registration server 500 to the information registration server 500. When requesting a user interface for automatic deferment of personal credit financial products, through the predetermined image acquisition device provided in the information registration terminal 570 obtains the image content corresponding to the automatic deferred consent application prepared by the customer Generating at least one user interface for inputting (or selecting) the automatic deferred consent registration information corresponding to the automatic deferred consent application and transmitting it to the information registration server 500 through the financial network; (Not shown) and extracts the generated (or extracted) user interface in conjunction with the interface unit 505. Through yungmang it characterized in that provided in the information registering terminal 570.

According to another exemplary embodiment of the present invention, the information registration terminal 570 acquires image contents corresponding to the application form for automatic deferred consent written by the customer through a predetermined image acquisition device, and automatically defers the image corresponding to the automatic deferred consent application. When a predetermined information registration program having at least one user interface for inputting (or selecting) consent registration information and transmitting the same to the information registration server 500 through the financial network is provided, the predetermined image as described above is provided. Acquire an image content corresponding to the auto-smoker agreement application prepared by the customer through an acquisition device, and input (or select) auto-smoker consent registration information corresponding to the auto-smoker consent application to the information registration server 500. Generate (or extract) a user interface to transmit the information to the information registration terminal 570. Interface providing unit 510 may be omitted mubang to, and which the present invention is not limited.

Subsequently, the information registration terminal 570 inputs (or selects) automatic smoke consent registration information including at least one of the customer information and automatic smoke consent information through the user interface, and automatically inputs the input (or selected). The deferred consent registration information is transmitted to the information registration server 500 through the financial network. In response, the information receiving unit 515 is transmitted from the information registration terminal 570 in association with the interface unit 505. And receiving the automatic smoke consent registration information.

In addition, the information registration terminal 570 obtains the image content corresponding to the application for the automatic deferred consent written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image registration unit 520 is transmitted to the information registration server 500. In response thereto, the image receiving unit 520 receives image contents corresponding to the automatic deferred consent application in association with the interface unit 505.

According to another exemplary embodiment of the present invention, the information registration terminal 570 acquires image contents corresponding to the application form for auto-smoke consent written by the customer through a predetermined image acquisition device and is provided to the information registration terminal 570. In the case of pre-stored in a predetermined (or associated) storage device, the information registration terminal 570, through the user interface to the automatic postponement consent application written by the customer of at least one or more image content stored in the storage device; The corresponding image content is selected and transmitted to the information registration server 500 through the financial network. In response thereto, the image receiving unit 520 is connected to the interface unit 505 to correspond to the automatic deferred consent application. It is desirable to receive image content.

According to another exemplary embodiment of the present invention, the image registration corresponding to the automatic postponement consent application written by the customer through the user interface in the information registration terminal 570 and the automatic postponement consent registration information corresponding to the automatic postponement consent application. When transmitting together, the information receiving unit 515 may be connected with the interface unit 505 to receive the image content corresponding to the application for automatic deferred consent and automatic deferred consent registration information (for example, the image receiving unit 520 is integrated into the information receiving unit 515 and operated), by which the present invention is not limited.

Referring to FIG. 5, the information registration server 500 registers the received automatic smoke agreement when the automatic smoke agreement registration information received from the information registration terminal 570 is received through the information receiving unit 515. Characterized in that it comprises a validity check unit 525 to confirm whether the information satisfies the validity for the automatic postponement agreement for the personal credit financial products.

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent registration information is at least one ledger matched with the automatic deferred consent registration information on the ledger D / B on the financial system associated with the automatic deferred consent information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 525 is a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the automatic deferred consent information registration system among the information included in the automatic deferred consent registration information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity check is an account ledger (or loan) stored in the ledger D / B on the financial system associated with the automatic deferred consent information registration system of the credit information of the customer of the information included in the automatic deferred consent registration information It is preferable to include checking whether the match with the ledger).

Referring to FIG. 5, the information registration server 500 receives the image content transmitted from the information registration terminal 570 through the image receiving unit 520, and automatically transmits the image content through the validity checking unit 525. When the validity of the deferred consent registration information is authenticated, an electronic document generator 530 for generating a predetermined automatic deferred consent electronic document including the received image content and the automatic deferred consent electronic document are automatically deferred. And an electronic document transmission unit 535 for transmitting to the electronic document repository associated with the consent information registration system.

The electronic document generator 530 may generate an automatic smoke consent electronic document including the image content received from the information registration terminal 570 through the image receiver 520.

According to the exemplary embodiment of the present invention, the electronic document generating unit 530 uses the image credit including the image content received from the information registration terminal 570 through the image receiving unit 520 as it is. It is preferable to process the electronic document for the automatic postponement consent for the automatic postponement of the product.

Alternatively, the electronic document generation unit 530 may include the image content received from the information registration terminal 570 through the image receiving unit 520 in the auto smoke consent registration information received through the information receiving unit 515. An image file corresponding to the image content including at least one or more information of the customer information and the automatic deferred consent information, which is included in a watermarking method, is included in the automatic deferred consent electronic document for the automatic deferment of the personal credit financial product. It is desirable to produce.

According to another embodiment of the present invention, the electronic document generating unit 530 is a predetermined document file (for example, including the image content received from the information registration terminal 570 through the image receiving unit 520) The personal credit finance by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic postponement consent electronic document for the automatic postponement agreement for the product.

Alternatively, the electronic document generation unit 530 may include the image content received from the information registration terminal 570 through the image receiving unit 520 in the auto smoke consent registration information received through the information receiving unit 515. Generate an image content including at least one or more information of the registered customer information and automatic smoke consent information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) including the generated image content. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document.

According to another embodiment of the present invention, the electronic document generating unit 530 is the image content received from the information registration terminal 570 via the image receiving unit 520 through the information receiving unit 515 A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the received automatic smoke consent registration information; or By generating a web document file including the MHT, etc.), it is preferable to generate an automatic postponement consent electronic document for the automatic postponement agreement for the personal credit financial product.

Alternatively, the electronic document generation unit 530 may include the image content received from the information registration terminal 570 through the image receiving unit 520 in the auto smoke consent registration information received through the information receiving unit 515. Generate an image content including at least one or more of the registered customer information and the automatic smoke consent information in a watermarking manner, and include a predetermined document file including the generated image content and the automatic smoke consent information. Personal information by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to generate an automatic deferred electronic document for automatic deferred consent for financial instruments.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 530 is a technical feature of generating an electronic document of the automatic deferred consent of the image file format or a predetermined document file format and the automatic deferred consent Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 535 transmits and stores the automatic deferred consent electronic document generated by the electronic document generating unit 530 to a predetermined electronic document repository associated with the automatic deferred consent information registration system. It is done.

As shown in FIG. 5, the electronic document repository is connected to an information registration server 500 on the automatic smoke consent information registration system through a predetermined communication means and a predetermined electronic document server 550 and an electronic document D / B. When provided externally, the electronic document transmission unit 535 to the electronic document server 550 via the communication means the automatic postpone consent electronic document generated by the electronic document generation unit 530 Characterized in that the transmission.

Here, when the electronic document server 550 and the electronic document D / B is provided outside the automatic postponement consent information registration system, the electronic document server 550 and the previous consultant D / B is an authorized institution It is desirable to manage at.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the automatic smoke consent information registration system, the electronic document transmitting unit 535 is generated by the electronic document generating unit 530. It is possible to store the electronic smoke consent electronic document is stored in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the automatic smoke consent information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 535 is electronic document-related information (for example, automatic smoke corresponding to the image content) for generating a predetermined electronic document management information in the electronic document server 550 It is possible to transmit to the electronic document repository further including customer information for which the consent application is made, financial institution information for transmitting the automatic deferred consent electronic document, electronic document file format information, or the automatic deferred consent registration information, and the like. The present invention is not limited thereto.

Referring to FIG. 5, the information registration server 500 performs automatic deferred consent for the personal credit financial product through the validity confirming unit 525 through the automatic deferred consent registration information received through the information receiving unit 515. When the validity for the authentication is authenticated, the information storage unit 540 for storing in a predetermined storage medium 545 by processing the customer information, automatic smoke consent information included in the registered automatic smoke agreement consent information validity is provided; Characterized in that made.

When the validity of the automatic deferred consent registration information is confirmed by the validity confirming unit 525, the information storage unit 540 processes the customer information included in the automatic deferred consent registration information and the automatic deferred consent information by linking it. The storage medium 545, characterized in that the storage medium 545 is provided in the information registration server 500, or when provided on the network associated with the information registration server 500, The information storage unit 540 preferably processes the customer information included in the received auto smoke agreement registration information and the auto smoke agreement information and stores them in the storage medium 545, and the storage medium 545 finances. When provided in the DBMS provided on the system, the information storage unit 540 is the customer information included in the received automatic smoke agreement registration information, automatic smoke agreement information through the external system on the financial system It is desirable to provide the information system and store it in the DBMS provided on the financial system.

Referring to FIG. 5, an electronic document server which receives a predetermined automatic delay consent electronic document from the information registration server 500 provided on the automatic smoke consent information registration system and stores and manages it in a predetermined electronic document D / B. An electronic document receiving unit 555 for receiving a predetermined automatic postponement consent electronic document from the information registration server 500 through a predetermined communication means, and the received automatic postponement consent electronic document in the electronic document D. An information generation unit 560 for generating predetermined electronic document management information for storage and management in / B, and the electronic document management information and the automatic delay consent electronic document in a predetermined electronic document D / B. It is characterized by comprising an electronic document storage unit 565 for storing.

The electronic document receiving unit 555 is characterized in that for receiving the automatic smoke agreement electronic document in the form of an image file or a document file from the information registration server 500 through the communication means.

According to the exemplary embodiment of the present invention, the electronic smoke-receiving electronic document received by the electronic document receiving unit 555 through the communication means is an image content received by the information registration server 500 from the information registration terminal 570. It is preferable that the image file including the same as it is made.

Alternatively, the automatic postponement consent electronic document received by the electronic document receiving unit 555 through the communication means is registered in the automatic postponement agreement on the image content received by the information registration server 500 from the information registration terminal 570. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information included in the information and automatic smoke consent information in a watermarking manner.

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document received by the electronic document receiver 555 through the communication means is an image received by the information registration server 500 from the information registration terminal 570. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the automatic deferred consent electronic document received by the electronic document receiving unit 555 through the communication means may include the automatic deferred consent registration information on the image content received by the information registration server 500 from the information registration terminal 570. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more information of customer information and automatic smoke consent information included in the watermarking method). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document received by the electronic document receiver 555 through the communication means is received by the information registration server 500 from the information registration terminal 570. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) including the image content and the automatic smoke consent registration information. , Or a web document file including MHT).

Alternatively, the automatic deferred consent electronic document received by the electronic document receiving unit 555 through the communication means may include the automatic deferred consent registration information on the image content received by the information registration server 500 from the information registration terminal 570. Image content including at least one or more of the customer information and automatic smoke consent information included in the watermarking method and a predetermined document file including the automatic smoke consent registration information (for example, PDF (Portable Document Format)). File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 560 is a predetermined electronic document unique number (or unique information) to be assigned to the automatic deferred consent electronic document received through the electronic document receiving unit 555, and through the electronic document receiving unit 555 And generating electronic document management information including electronic document storage date and time information including a date and time at which the automatic deferred consent electronic document was received (or a date and time at which the automatic deferred consent electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 560 refers to the automatic deferment agreement with reference to the information registration server 500 that transmits the automatic deferment agreement electronic document received through the electronic document receiving unit 555. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 500 through the electronic document receiving unit 555, the information generating unit 560 receives the received information. Electronic document-related information (for example, customer information in which an automatic deferred consent application corresponding to the image content is prepared, financial institution information transmitting the automatic deferred consent electronic document, electronic document file format information, or the automatic deferred consent registration information). It is preferable to generate the electronic document management information further including).

The electronic document storage unit 565 associates the electronic smoke management electronic document received through the electronic document receiving unit 555 with the electronic document management information generated through the information generating unit 560 to process a predetermined electronic document D. It stores in / B.

According to an exemplary embodiment of the present invention, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 565 is received by the information registration server 500 from the information registration terminal 570. It is preferable to include an image file including one image content as it is.

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 565 may be automatically added to the image content received by the information registration server 500 from the information registration terminal 570. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information included in the postponement registration information, the automatic postponement consent information in a watermarking manner.

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 565 is the information registration server 500 from the information registration terminal 570. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 565 may be automatically deferred to the image content received by the information registration server 500 from the information registration terminal 570. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) containing image content including at least one of customer information included in the consent registration information and automatic deferred consent information in a watermarking manner. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the automatic registration agreement electronic document stored in the electronic document D / B by the electronic document storage unit 565 is the information registration server 500 by the information registration terminal 570. At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the automatic smoke consent registration information. Word processor files, or web document files containing MHT).

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 565 may be automatically deferred to the image content received by the information registration server 500 from the information registration terminal 570. Image content including at least one of customer information included in the consent registration information and automatic deferred consent information in a watermarking manner, and a predetermined document file including the automatic deferred consent registration information (eg, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 565 in association with the automatic delay agreement electronic document is allocated to the automatic delay agreement electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 565 in association with the automatic deferred consent electronic document is stored in the electronic deferred consent electronic document. It is preferable to further include information on the financial institution that has transmitted the automatic deferred consent electronic document confirmed with reference to the information registration server 500 transmitted.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 500, the electronic document storage unit 565 performs the process in association with the automatic postponement consent electronic document. The electronic document management information stored in the electronic document D / B may be configured to transmit the received electronic document related information (for example, customer information for which an automatic postponement consent form corresponding to the image content is transmitted, or the automatic postponement consent electronic document). Financial institution information, electronic document file format information, or the automatic deferred consent registration information).

Figure 6 illustrates the configuration of the automatic deferred consent information stored in the ledger D / B (600) provided in the DBMS on the financial system in a face-to-face manner for the automatic deferment of personal credit financial products in accordance with an embodiment of the present invention Drawing.

In more detail, FIG. 6 shows the ledger information provided in the ledger D / B 600 when the storage medium 545 shown in FIG. 5 is the ledger D / B 600 provided in the DBMS on the financial system. FIG. 6 illustrates an information structure for an implementation method in which the automatic smoke consent registration information including the customer information and the automatic smoke consent information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying the information may be inferred from the various information configuration methods for storing the automatic smoke consent registration information in the ledger D / B 600, the present invention includes all the implementation methods inferred, It is not limited only to the implementation method shown.

Referring to FIG. 6 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 600 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 600 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that additional information is included, and it will be familiar with specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 6, the automatic smoke consent registration information provided through the automatic smoke agreement information registration system shown in FIG. 5 is stored in the form of additional information added to the account ledger. Is characterized in that it comprises at least one or more customer information, automatic smoke consent information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

According to another embodiment of the present invention, the automatic deferred consent registration information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, the customer ledger). It may be stored in the form of additional information, or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

7 is an automatic postponement agreement stored in a database linked to the ledger D / B 700 provided in a DBMS on a financial system in a face-to-face manner for automatic postponement agreement for a personal credit instrument according to another embodiment of the present invention. It is a figure which shows an information structure.

In more detail, FIG. 7 shows information on an exemplary method in which the storage medium 545 shown in FIG. 5 is stored in a predetermined database linked to the ledger D / B 700 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 7 to associate the automatic deferred consent registration information with a ledger D / B 700 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 7 illustrates a case in which it is not easy to store the automatic deferred consent registration information in the ledger information of the ledger D / B 700 on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution). If it is not easy to change the ledger D / B 700, or the system expansion is not easy due to the nature of the financial system), the automatic deferred consent registration information is stored in a predetermined database instead of the ledger D / B 700. And an implementation method of storing the database in association with the database and the ledger D / B 700.

In addition, the database shown in FIG. 7 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 7, and the database on the Internet banking system, or telebanking, according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 7, the database stores and stores the customer information included in the automatic deferred consent information and the automatic deferred consent information, and the automatic deferred consent registered information is the ledger D / B 700. It is preferable that the automatic smoke agreement registration information further comprises a CIF number corresponding to the ledger information in order to be processed in association with).

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

8 is a view showing the configuration of the automatic deferred consent information stored in the DBMS provided in the banking server in a face-to-face manner for the automatic deferred agreement for personal credit financial products according to another embodiment of the present invention.

More specifically, FIG. 8 shows a DBMS in which a storage medium 545 shown in FIG. 5 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, automatic smoke stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 8 It is possible to infer a method of constructing information on consent registration information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8, a predetermined DBMS provided in the banking server may store and store customer information and automatic smoke consent information included in the automatic smoke agreement registration information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

9A and 9B illustrate a process of registering automatic smoke consent registration information in a face-to-face manner according to one embodiment of the present invention.

9a and 9b are more specifically, a terminal terminal having an information registration terminal 570 on the automatic deferred consent information registration system shown in FIG. 5 at a financial institution branch (or branch), and the information registration server 500 )) Has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, the predetermined information is automatically deferred by the customer for the automatic deferment of personal credit financial products. When a user prepares and submits an automatic postponement consent application including at least one consent information, the predetermined window terminal acquires predetermined image contents corresponding to the automatic postponement consent application through a predetermined image acquisition device and registers predetermined information. The automatic deferred consent information registration system and the automatic deferred consent information corresponding to the automatic deferred consent application through the interface When providing the image content obtained from the deferred consent application, a predetermined automatic deferred consent electronic document including the image content is generated and stored in a predetermined electronic document repository, and the customer included in the deferred consent registration information. The present invention relates to an implementation method for linking information and automatic smoke consent information to a predetermined storage medium 545. Specifically, a predetermined image corresponding to the application for automatic smoke consent through a predetermined image acquisition device in the window terminal. After obtaining content and transmitting the content to the information registration server 500, the method for inputting (or selecting) the automatic deferred consent registration information corresponding to the automatic deferred consent application and transmitting the information to the information registration server 500 is shown. It is.

Those skilled in the art to which the present invention pertains, various embodiments to register the automatic smoke consent registration information to the information registration server 500 at the window terminal by referring to or modifying the drawings 9a and 9b. 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. 9A and 9B.

For example, in the implementation method shown in FIGS. 9A and 9B, the window terminal acquires predetermined image contents corresponding to the automatic deferred consent application through a predetermined image acquisition device, or corresponds to the automatic deferred consent application. Although a user interface for inputting (or selecting) automatic smoke consent registration information is illustrated and provided from the information registration server 500, the user interface is provided when the window terminal is provided with a predetermined information registration program. It does not have to be provided from the information registration server 500, whereby the present invention is not limited.

In the following Figures 9a and 9b, the window terminal shown in Figure 5 is referred to as a "terminal" for convenience, and the information registration server 500 shown in Figure 5 is referred to as a "server" for convenience, and in the window terminal The customer information and the automatic deferred consent information transmitted to the information registration server 500 are referred to as "auto deferred consent registered information" for convenience.

9A and 9B, when a predetermined customer fills out and submits an automatic deferred consent application including at least one of customer information and automatic deferred consent information for the automatic deferment of a personal loan financial instrument, the drawing 5 When the teller terminal shown in FIG. 1 requests a user interface for automatic deferment of a personal credit financial product corresponding to the automatic deferred consent application, while accessing the server through a predetermined financial network and connecting a predetermined communication channel, In response thereto, the server generates a user interface for acquiring the predetermined image content corresponding to the application for the automatic postponement written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (or Extract (905) the user interface generated (or extracted) through the financial network. The transmission is output to the terminal (910).

Thereafter, the terminal acquires image content corresponding to the automatic deferred consent application through a predetermined image obtaining apparatus based on the user interface (915).

If image content corresponding to the automatic deferred consent application is obtained through the image acquisition device (920), the terminal transmits the acquired image content to the server through the financial network (925).

Thereafter, the server inputs (or selects) automatic smoke consent registration information including at least one of customer information and automatic smoke consent information corresponding to the automatic smoke agreement application matching the image content, and transmits the user to the server. An interface is generated (or extracted) (930), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (935).

Thereafter, the terminal inputs (or selects) automatic smoke consent registration information including at least one of the customer information and automatic smoke consent information through the user interface (940).

If the automatic deferred consent registration information including at least one of the customer information and the automatic deferred consent information is input (or selected) through the user interface (945), the terminal inputs the input to the server through the financial network ( Or transmits the selected auto- smoke agreement registration information (950).

Thereafter, the server receives and reads the auto smoke agreement registration information including at least one of the customer information and the auto smoke agreement information through the financial network to check the validity of the auto smoke agreement registration information (955).

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent registration information is at least matched with the automatic deferred consent registration information on the ledger D / B 700 on the financial system associated with the automatic deferred consent information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include a ledger D / B 700 on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the automatic deferred consent registration information is linked to the automatic deferred consent information registration system. It is desirable to include a check that matches the customer ledger stored in).

In addition, the validity check is the account ledger stored in the ledger D / B (700) on the financial system of the credit information of the customer is linked to the automatic deferred consent information registration system of the information contained in the automatic deferred consent registration information It is preferable to include checking whether the match (or the loan ledger).

If the validity of the automatic smoke consent registration information is not authenticated (960), the server generates predetermined information registration error information and transmits it to the terminal (965), and registers the information corresponding to the automatic smoke consent registration information. Do not perform the procedure.

On the other hand, if the validity of the automatic smoke agreement registration information is authenticated (960), the server generates a predetermined automatic smoke agreement electronic document containing the image content (970).

According to an exemplary embodiment of the present invention, the server agrees to automatically defer the image file including the image content received from the information registration terminal 570 through the image receiving unit 520 for the personal credit financial product. It is preferable to process the electronic document for automatic smoke consent.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. It is preferable to generate an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product of an image file corresponding to image content including at least one or more information of the consent information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 570 through the image receiving unit 520. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document.

Alternatively, the server may automatically include customer information included in the auto smoke agreement registration information received through the information receiver 515 in the image content received from the information registration terminal 570 through the image receiver 520. Generate image content including at least one or more information of the deferred consent information by a watermarking method, and include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server registers the image content received from the information registration terminal 570 through the image receiving unit 520 and the auto smoke agreement received through the information receiving unit 515. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. Generate image content including at least one or more information of the consent information by a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the auto-smoker agreement information. ), Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document for consent.

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

Thereafter, the server stores the generated automatic smoke consent electronic document in a predetermined electronic document storage (975).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 550 and an electronic document D / B connected to a server on the automatic smoke consent information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated automatic smoke agreement electronic document to the electronic document server 550 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the automatic deferred consent information registration system, the server sends the generated electronic deferred consent electronic document on the DBMS provided in the automatic deferred consent information registration system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the automatic smoke consent electronic document in the electronic document storage may be performed by linking the generated automatic smoke consent electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the automatic deferred consent electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the automatic smoke agreement electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information in which an automatic deferred consent application corresponding to the image content is prepared, or financial institution information for transmitting the automatic deferred consent electronic document, or an electronic document file). Format information, or the auto-smoke agreement registration information).

If the automatic postponement consent electronic document is stored in the electronic document repository (980), the server associates the customer information and automatic postponement consent information included in the automatic postponement consent registration information with a predetermined storage medium 545. Information stored in the storage device (985), predetermined information registration history information (e.g., the history of storing the automatic deferred consent electronic document in the electronic document storage, or the history of storing the automatic deferred consent registration information in the storage medium 545) ) Is generated (or extracted) and transmitted to the terminal (990).

According to an embodiment of the present invention, the storage medium 705 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 705 may be a ledger D / B 700 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 700, thereby the present invention This is not limiting.

According to another exemplary embodiment of the present invention, the storage medium 705 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

10A and 10B illustrate a process of registering automatic smoke consent registration information in a face-to-face manner according to another exemplary embodiment of the present invention.

10A and 10B are more specifically, a terminal terminal in which an information registration terminal 570 on the automatic deferred consent information registration system shown in FIG. 5 is provided at a branch of a financial institution (or a branch), and the information registration server 500 )) Has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, the predetermined information is automatically deferred by the customer for the automatic deferment of personal credit financial products. When a user prepares and submits an automatic postponement consent application including at least one consent information, the predetermined window terminal acquires predetermined image contents corresponding to the automatic postponement consent application through a predetermined image acquisition device and registers predetermined information. The automatic deferred consent information registration system through the interface and the automatic deferred consent information corresponding to the automatic deferred consent application form When providing the image content obtained from the application form for automatic postponement, a predetermined automatic postponement electronic document including the image content is generated and stored in a predetermined electronic document storage, and the customer included in the automatic postponement consent information. A method of implementing a process of linking information and automatic deferred consent information to a predetermined storage medium 545, and specifically inputting (or selecting) automatic deferred consent information corresponding to the automatic deferred consent application at the counter terminal. After transmitting to the information registration server 500, and the predetermined image content corresponding to the automatic postponement consent application through a predetermined image acquisition device to obtain and transmit to the information registration server 500 It is.

Those skilled in the art to which the present invention pertains, various methods of registering the automatic smoke consent registration information to the information registration server 500 at the window terminal by referring to or modifying the drawings 10a and 10b. It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in Figures 10a and 10b.

For example, in the method shown in FIGS. 10A and 10B, the window terminal acquires predetermined image contents corresponding to the automatic postponement application through a predetermined image acquisition device, or corresponds to the automatic postponement application. Although the user interface for inputting (or selecting) automatic smoke consent registration information is illustrated and provided from the information registration server 500, the user interface is provided when a predetermined information registration program is provided at the counter terminal. It does not have to be provided from the information registration server 500, whereby the present invention is not limited.

In the following Figures 10a and 10b, the window terminal shown in Figure 5 is referred to as a "terminal" for convenience, and the information registration server 500 shown in Figure 5 is referred to as a "server" for convenience, and in the window terminal The customer information and the automatic deferred consent information transmitted to the information registration server 500 are referred to as "auto deferred consent registered information" for convenience.

Referring to FIGS. 10A and 10B, when a predetermined customer fills out and submits an application for automatic deferred consent including at least one of customer information and automatic deferred consent information for automatic deferment of a personal loan financial instrument, the drawing 5 When the teller terminal shown in FIG. 1 requests a user interface for automatic deferment of a personal credit financial product corresponding to the automatic deferred consent application, while accessing the server through a predetermined financial network and connecting a predetermined communication channel, (1000) In response, the server inputs (or selects) automatic smoke consent registration information including at least one of customer information and automatic smoke consent information corresponding to the automatic smoke agreement application created by the customer, and transmits it to the server. Create (or extract) a user interface for creating (1005) and generate (or extract) through the financial network An output for transmitting user interface to the mobile station is 1010.

Subsequently, the terminal inputs (or selects) automatic smoke consent registration information including at least one of the customer information and automatic smoke consent information through the user interface (1015).

If the automatic smoke consent registration information including at least one of the customer information and the automatic smoke consent information is input (or selected) through the user interface (1020), the terminal inputs the input to the server through the financial network ( Or (1025) the selected auto- smoke agreement registration information.

Subsequently, the server receives and reads the auto smoke agreement registration information including at least one of the customer information and the auto smoke agreement information through the financial network to check the validity of the auto smoke agreement registration information (1030).

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent registration information is at least matched with the automatic deferred consent registration information on the ledger D / B 700 on the financial system associated with the automatic deferred consent information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include a ledger D / B 700 on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the automatic deferred consent registration information is linked to the automatic deferred consent information registration system. It is desirable to include a check that matches the customer ledger stored in).

In addition, the validity check is the account ledger stored in the ledger D / B (700) on the financial system of the credit information of the customer is linked to the automatic deferred consent information registration system of the information contained in the automatic deferred consent registration information It is preferable to include checking whether the match (or the loan ledger).

If the validity of the auto smoke agreement registration information is not authenticated (1035), the server generates predetermined information registration error information and transmits it to the terminal (1040), and registers the information corresponding to the auto smoke agreement registration information. Do not perform the procedure.

On the other hand, if the validity of the automatic smoke consent registration information is authenticated (1035), the server acquires the predetermined image content corresponding to the automatic smoke consent application written by the customer through the predetermined image obtaining device in the terminal to the server; A user interface for transmitting to the terminal is generated (or extracted) (1045), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1050).

Thereafter, the terminal acquires image content corresponding to the automatic postponement consent application through a predetermined image acquisition device based on the user interface in operation 1055.

If image content corresponding to the automatic deferred consent application is obtained through the image acquisition device (1060), the terminal transmits the acquired image content to the server through the financial network (1065).

The server, having received the auto smoke agreement registration information and image content from the terminal, generates a predetermined auto smoke agreement electronic document including the image content in operation 1070.

According to an exemplary embodiment of the present invention, the server agrees to automatically defer the image file including the image content received from the information registration terminal 570 through the image receiving unit 520 for the personal credit financial product. It is preferable to process the electronic document for automatic smoke consent.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. It is preferable to generate an automatic deferred consent electronic document for an automatic deferred consent for the personal credit financial product of an image file corresponding to the image content including at least one or more information of the consent information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 570 through the image receiving unit 520. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. Generating image content including at least one or more information of the consent information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) file including the generated image content). Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server registers the image content received from the information registration terminal 570 through the image receiving unit 520 and the auto smoke agreement received through the information receiving unit 515. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. Generate image content including at least one or more information of the consent information by a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the auto-smoker agreement information. ), Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate an automatic smoke consent electronic document for consent.

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

Thereafter, the server stores the generated automatic smoke consent electronic document in a predetermined electronic document storage (1075).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 550 and an electronic document D / B connected to a server on the automatic smoke consent information registration system through predetermined communication means. When provided, the server preferably transmits the generated automatic smoke agreement electronic document to the electronic document server 550 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the automatic deferred consent information registration system, the server sends the generated electronic deferred consent electronic document on the DBMS provided in the automatic deferred consent information registration system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the automatic smoke consent electronic document in the electronic document storage may be performed by linking the generated automatic smoke consent electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the automatic deferred consent electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic postponement consent electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information in which an automatic deferred consent application corresponding to the image content is prepared, or financial institution information for transmitting the automatic deferred consent electronic document, or an electronic document file). Format information, or the auto-smoke agreement registration information).

If the automatic postponement consent electronic document is stored in the electronic document repository (1080), the server processes the customer information and automatic postponement consent information included in the automatic postponement consent registration information in a predetermined storage medium 705. Information stored in the storage device (1085), predetermined information registration history information (e.g., the history of storing the automatic deferred consent electronic document in the electronic document repository, or the history of storing the automatic deferred consent registration information in the storage medium 705). ) Is generated (or extracted) and transmitted to the terminal (1090).

According to an embodiment of the present invention, the storage medium 705 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 705 may be a ledger D / B 700 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 700, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 705 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

11A and 11B illustrate a process of registering automatic smoke consent registration information in a face-to-face manner according to another exemplary embodiment of the present invention.

11a and 11b are more detailed examples of the information terminal 570 on the automatic deferred consent information registration system shown in FIG. )) Has a ledger server (not shown) function in the financial system linked to the counter terminal through a predetermined financial network, the predetermined information is automatically deferred by the customer for the automatic deferment of personal credit financial products. When a user prepares and submits an automatic postponement consent application including at least one consent information, the predetermined window terminal acquires predetermined image contents corresponding to the automatic postponement consent application through a predetermined image acquisition device and registers predetermined information. The automatic deferred consent information registration system and the automatic deferred consent information corresponding to the automatic deferred consent application through the interface When providing the image content obtained from the application form for automatic postponement, a predetermined automatic postponement electronic document including the image content is generated and stored in a predetermined electronic document storage, and the customer included in the automatic postponement consent information. The present invention relates to an implementation method for linking information and automatic smoke consent information to a predetermined storage medium 545. Specifically, a predetermined image corresponding to the application for automatic smoke consent through a predetermined image acquisition device in the window terminal. A method of acquiring content, inputting (or selecting) automatic smoke agreement registration information corresponding to the automatic smoke agreement application, and transmitting the same to the information registration server 500 is shown.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention 11A and 11B by referring to or modified to register the automatic smoke consent registration information to the information registration server 500 in the window terminal It may be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in Figures 11a and 11b.

For example, in the method shown in FIGS. 11A and 11B, the window terminal acquires predetermined image contents corresponding to the automatic postponement application through a predetermined image acquisition device, or corresponds to the automatic postponement application. Although a user interface for inputting (or selecting) automatic smoke consent registration information is illustrated and provided from the information registration server 500, the user interface is provided when the window terminal is provided with a predetermined information registration program. It does not have to be provided from the information registration server 500, whereby the present invention is not limited.

In the following Figures 11a and 11b, the window terminal shown in Figure 5 is referred to as a "terminal" for convenience, and the information registration server 500 shown in Figure 5 is referred to as a "server" for convenience, and in the window terminal The customer information and automatic deferred consent information transmitted to the information registration server 500 are referred to as "automatic deferred consent registration information" for convenience.

Referring to FIGS. 11A and 11B, when a predetermined customer fills out and submits an application for automatic deferment of consent, which includes at least one of customer information and automatic deferred consent information, for the automatic deferment of an individual credit financial instrument, the figure 5 When the teller terminal shown in FIG. 1 requests a user interface for automatic deferment of a personal credit financial product corresponding to the automatic deferred consent application, while accessing the server through a predetermined financial network and connecting a predetermined communication channel, In response to this, the server inputs (or selects) the automatic smoke consent registration information corresponding to the automatic smoke agreement application written by the customer in the terminal, and inputs the automatic smoke agreement application through a predetermined image acquisition device. Generating a user interface for acquiring and transmitting corresponding predetermined image content to the server ( Extracts), and 1105, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (1110).

Thereafter, the terminal inputs (or selects) automatic smoke consent registration information including at least one of the customer information and automatic smoke consent information through the user interface (1115).

If the automatic smoke consent registration information including at least one of the customer information and the automatic smoke consent information is input (or selected) through the user interface (1120), the terminal acquires a predetermined image obtaining apparatus based on the user interface. Through 1125, image content corresponding to the automatic postponement consent application is obtained.

If image content corresponding to the automatic deferred consent application is obtained through the image acquisition device (1130), the terminal transmits the automatic deferred consent registration information and image content to the server through the financial network (1135). .

Thereafter, the server receives and reads automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information through the financial network to confirm the validity of the automatic deferred consent registration information (1140).

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent registration information is at least matched with the automatic deferred consent registration information on the ledger D / B 700 on the financial system associated with the automatic deferred consent information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 525 is a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the automatic deferred consent information registration system among the information included in the automatic deferred consent registration information. It is preferably made to include matching with the customer ledger stored in the D / B (700).

In addition, the validity check is the account ledger stored in the ledger D / B (700) on the financial system of the credit information of the customer is linked to the automatic deferred consent information registration system of the information contained in the automatic deferred consent registration information It is preferable to include checking whether the match (or the loan ledger).

If the validity of the auto smoke agreement registration information is not authenticated (1145), the server generates predetermined information registration error information and transmits it to the terminal (1150), and registers the information corresponding to the auto smoke agreement registration information. Do not perform the procedure.

On the other hand, if the validity of the automatic smoke agreement registration information is authenticated (1145), the server generates a predetermined automatic smoke agreement electronic document containing the image content (1155).

According to an exemplary embodiment of the present invention, the server agrees to automatically defer the image file including the image content received from the information registration terminal 570 through the image receiving unit 520 for the personal credit financial product. It is preferable to process the electronic document for automatic smoke consent.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. It is preferable to generate an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product of an image file corresponding to image content including at least one or more information of the consent information in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 570 through the image receiving unit 520. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. Generating image content including at least one or more information of the consent information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) file including the generated image content). Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server registers the image content received from the information registration terminal 570 through the image receiving unit 520 and the auto smoke agreement received through the information receiving unit 515. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc., it is preferable to generate an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product.

Alternatively, the server may include customer information and automatic deferral included in the automatic deferred consent registration information received through the information receiving unit 515 in the image content received from the information registration terminal 570 through the image receiving unit 520. Generate image content including at least one or more information of the consent information by a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the auto-smoker agreement information. ), Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an automatic smoke consent electronic document for consent.

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

Thereafter, the server stores the generated automatic smoke consent electronic document in a predetermined electronic document storage (1160).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 550 and an electronic document D / B connected to a server on the automatic smoke consent information registration system through predetermined communication means. When provided, the server preferably transmits the generated automatic smoke agreement electronic document to the electronic document server 550 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the automatic deferred consent information registration system, the server sends the generated electronic deferred consent electronic document on the DBMS provided in the automatic deferred consent information registration system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the automatic smoke consent electronic document in the electronic document storage may be performed by linking the generated automatic smoke consent electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the automatic deferred consent electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic postponement consent electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (for example, customer information in which an automatic deferred consent application corresponding to the image content is prepared, or financial institution information for transmitting the automatic deferred consent electronic document, or an electronic document file). Format information, or the auto-smoke agreement registration information).

If the automatic deferred consent electronic document is stored in the electronic document repository (1165), the server processes the customer information and automatic deferred consent information included in the automatic deferred consent registration information in a predetermined storage medium 545. Information stored in the storage device (1170), predetermined information registration history information (e.g., the history of storing the automatic deferred consent electronic document in the electronic document storage, or the history of storing the automatic deferred consent registration information in the storage medium 545) ) Is generated (or extracted) and transmitted to the terminal (1175).

According to an embodiment of the present invention, the storage medium 705 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 705 may be a ledger D / B 700 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 700, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 705 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

12 is a diagram illustrating a non-face-to-face automatic deferred consent information registration system for automatic deferred consent for a personal credit financial product according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a predetermined information registration interface for a credit loan product subject to automatic deferment, wherein a predetermined customer is identified through an automatic smoke screening processing system for the automatic smoke screening of the personal credit shown in FIG. Through the automatic deferred consent information registration system shown in Figure 12 through the automatic deferred consent information including at least one or more customer information, automatic deferred consent information for the automatic deferred consent for the personal credit financial products, the automatic The deferred consent information registration system generates a predetermined automatic deferred consent electronic document including the provided automatic deferred consent registration information and stores it in a predetermined electronic document storage, and stores the customer information and automatic deferred information included in the automatic deferred consent registration information. System configuration for storing the consent information in a predetermined storage medium 1240 by linking As will for exemplary way specifically the electronic document repository is provided on the external system associated with the auto delay accept information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 12 to infer various implementation methods for the configuration of an automatic deferred consent information registration system for automatic deferred consent for individual credit financial products. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 12 to infer an implementation method provided in a DBMS in which the electronic document archive is located in the automatic smoke consent information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 12, the automatic deferred consent electronic document is illustrated as being generated on the server side on the automatic deferred consent information registration system, but the present invention is not limited thereto. The automatic postponement consent electronic document may be generated on the terminal side which inputs (or selects) the automatic postponement consent registration information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generating a postpone consent electronic document), by which the present invention is not limited.

Hereinafter, upon receiving the automatic deferred consent registration information from the customer through a predetermined information registration interface on the automatic deferred consent information registration system shown in FIG. 12, a predetermined automatic deferred consent electronic document is generated and stored in a predetermined electronic document repository. A component corresponding to at least one or more means or functional configurations for storing and storing the automatic smoke consent registration information in a predetermined storage medium 1240 is referred to as " information registration server 1200 " for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, an automatic deferred consent information registration system for automatic deferred consent for the personal credit financial product includes a client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal 1265 including at least one or more thereof. The information registration terminal 1265 is an information registration server provided on the automatic smoke consent information registration system through a predetermined network means. 1200 and a communication channel are connected.

According to one embodiment of the invention, the customer is connected to the information registration server 1200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, the information When the user inputs (or selects) the automatic deferred consent registration information for the automatic deferred consent for the personal credit financial product through at least one user interface provided by the registration server 1200, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 1200 provided on the automatic smoke consent information registration system through.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

In addition, the information registration server 1200 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server, or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 1200 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet or IEEE according to the type of wireless communication network connected to the client terminal It is preferable that any one of 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1200, and inputs or selects at least one or more information through the user interface to transmit the information to the information registration server 1200. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1200) is provided.

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

In the automatic smoke agreement information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the information registration server 1200. Alternatively, the wireless communication network performs a function of an information registration interface for the customer to register automatic deferred consent registration information for automatic deferred consent for the personal credit financial product.

According to another exemplary embodiment of the present invention, the information registration terminal 1265 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or affiliated with the financial institution. It may further include a terminal (or server) (not shown) provided in at least one or more organizations, by which the present invention is not limited.

In the automatic postponement consent information registration system as described above, when the information registration terminal 1265 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the The financial network connecting the information registration server 1200 performs a function of an information registration interface for the customer to register automatic deferred consent registration information for automatic deferment of the personal credit financial product, or the information registration terminal. If 1265 is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1200 is connected to the customer. Performs the function of the information registration interface for registering the automatic deferred consent registration information for automatic deferred consent for personal credit financial products, or the information In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the lock terminal 1265, the terminal (or server) (not shown) and the terminal (or server) (not shown) and The network connecting the information registration server 1200 performs a function of an information registration interface for the customer to register automatic deferred consent registration information for automatic deferred consent for the personal credit financial product.

The storage medium 1240 provided on the automatic smoke agreement information registration system according to the present invention links the customer information and automatic smoke agreement information included in the automatic smoke agreement information provided from the information registration terminal 1265. Process and store the data in a predetermined storage medium 1240.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

According to an embodiment of the present invention, the storage medium 1240 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 1240 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1240 is provided on (or associated with) the automatic smoke agreement information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The information registration server 1200 provided on the automatic smoke agreement information registration system according to the present invention is a generic term for the components of the automatic smoke agreement information registration system side connected to the information registration terminal 1265 through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1200 is A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or the finance It may be a program provided in the external system on the system, whereby the present invention is not limited .

According to another embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1200 is the wireless banking. Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1200 may perform the telebanking. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided on the system, a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)). Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 1265 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 1200 is A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the TV banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1200 is provided with an interface unit 1205 for connecting and managing a predetermined communication channel with the information registration terminal 1265 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 1205 may be connected to the wired communication network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide an interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1200, the interface unit 1205 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a financial automatic device connected to a predetermined financial network, the interface unit 1205 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1205 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1200, the interface unit 1205 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1205 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1205 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 12, when an information registration terminal 1265 connects a predetermined communication channel with the information registration server 1200 through the interface unit 1205, the information registration server 1200 is connected to the individual. Generate at least one user interface for inputting (or selecting) predetermined automatic deferred consent registration information from the information registration terminal 1265 and transmitting it to the information registration server 1200 for automatic deferment of credit financial products. And an interface providing unit 1210 for providing the generated (or extracted) user interface to the information registration terminal 1265 in association with the interface unit 1205 and the information registration terminal 1265. In the case of inputting (or selecting) the automatic smoke consent registration information through the user interface and transmitting the information to the information registration terminal 1265 in association with the interface unit 1205. And an information receiving unit 1215 for receiving the automatic smoke consent registration information transmitted from the data.

The interface provider 1210 connects a predetermined communication channel with the information registration server 1200 through the interface 1205 by the information registration terminal 1205, and then sends the information registration server 1200 to the information registration server 1200. When requesting a user interface for automatic deferment of personal credit financial products, the information registration terminal 1265 inputs (or selects) predetermined automatic deferred consent registration information from the information registration server 1200 through the network means. Generate at least one user interface to be transmitted to or from the predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 1205 via the network means. Characterized in that provided to the information registration terminal 1265.

According to an embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1210 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another embodiment of the present invention, when the information registration terminal 1265 is a financial automation device connected to a predetermined financial network, the interface providing unit 1210 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1210 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1210 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided to the call, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1205. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1265 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1210 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1205. .

According to another exemplary embodiment of the present invention, at least one or more users who input (or select) predetermined automatic postponement consent registration information to the information registration terminal 1265 and transmit it to the information registration server 1200 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined auto-smoke agreement registration information as described above to be transmitted to the information registration server 1200 is generated (or extracted). The interface providing unit 1210 provided to the information registration terminal 1265 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 1265 inputs (or selects) the automatic deferred consent registration information including at least one of the customer information and the automatic deferred consent information through the user interface, and automatically inputs the input (or selected). The deferred consent registration information is transmitted to the information registration server 1200 through the network means, and correspondingly, the information receiving unit 1215 is transmitted from the information registration terminal 1265 in association with the interface unit 1205. And receiving the registered automatic smoke consent information.

According to the embodiment of the present invention, the information registration terminal 1265 is the automatic smoke agreement registration information in the automatic smoke agreement registration information including at least one or more customer information, automatic smoke agreement information in the automatic smoke agreement registration information The information registration server 1200 via the network means further comprises at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity It is desirable to send to.

According to the exemplary embodiment of the present invention, the information registration terminal 1265 may include at least one encryption method (eg, a symmetric key based encryption method) for automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the automatic smoke consent registration information, through the network means. It is preferable to transmit to 1200, for this purpose, the information registration terminal 1265 is provided with at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key. Or, if the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

Those skilled in the art to which the present invention pertains include technical features for various encryption schemes for encrypting the automatic smoke agreement registration information, and technical features for attaching a predetermined electronic signature to the automatic smoke agreement registration information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 12, the information registration server 1200 receives the automatic smoke consent registration information received from the information registration terminal 1265 through the information receiving unit 1215. Is characterized in that it comprises a validity check unit 1220 to confirm whether the validity for the automatic deferment agreement for the personal credit financial products.

According to an embodiment of the present invention, the automatic deferred motion registration information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The validity checker 1220 may determine the encrypted auto-delay agreement information at least one decryption method (eg, symmetric key based decryption method or public key based decryption method) corresponding to the encryption method. Or electronic envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received auto- smoke agreement registration information.

Or, if a predetermined electronic signature is attached to the automatic smoke agreement registration information, the validity check unit 1220 checks the electronic signature attached to the automatic smoke agreement registration information, to the received automatic smoke agreement registration information It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted auto-delay agreement information, and a technology for confirming an electronic signature attached to the auto-delay agreement information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the automatic deferred consent registration information received through the information receiving unit 1215 further includes a predetermined password for checking the validity of the automatic deferred consent registration information, the validity confirming unit 1220 may verify the validity of the received automatic smoke agreement registration information by comparing and authenticating the password included in the automatic smoke agreement registration information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the automatic deferred consent registration information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the automatic deferred consent registration information, the validity confirming unit 1220. Compares and authenticates the security card information included in the automatic smoke consent registration information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received automatic smoke consent registration information. desirable.

Alternatively, when the automatic deferred consent registration information received through the information receiving unit 1215 further includes a predetermined OTP code for confirming the validity of the automatic deferred consent registration information, the validity confirming unit 1220 By comparing and authenticating the received OTP code included in the automatic smoke consent registration information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received automatic smoke consent registration information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent registration information is at least one ledger matched with the automatic deferred consent registration information on the ledger D / B on the financial system associated with the automatic deferred consent information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1220 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the automatic deferred consent information registration system among information included in the automatic deferred consent registration information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity check is an account ledger (or loan) stored in the ledger D / B on the financial system associated with the automatic deferred consent information registration system of the credit information of the customer of the information included in the automatic deferred consent registration information It is preferable to include checking whether the match with the ledger).

Referring to FIG. 12, when the validity of the automatic smoke consent registration information is authenticated through the validity checking unit 1220, the information registration server 1200 includes a predetermined automatic including the received automatic smoke consent registration information. An electronic document generation unit 1225 for generating a deferred consent electronic document, and an electronic document transmission unit 1230 for transmitting the generated automatic deferred consent electronic document to an electronic document repository associated with the automatic deferred consent information registration system. Characterized in that made.

The electronic document generator 1225 may generate an automatic smoke consent electronic document including the automatic smoke consent registration information received from the information registration terminal 1265 through the information receiver 1215.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1225 may include at least one document including customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document file, etc.) is preferably processed as an automatic postponement consent electronic document for the automatic postponement agreement for the personal credit financial products.

Alternatively, the electronic document generating unit 1225 generates document content including at least one of customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215, and the document. A document file (eg, containing document content including the watermarking) after including at least one or more information of customer information included in the automatic deferred consent registration information and automatic deferred consent information in a watermarking method. A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic document for the automatic smoke consent for automatic smoke consent.

Alternatively, the electronic document generating unit 1225 generates document content including at least one of customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215, and the document. Process an image file including captured image content (e.g., image content generated by capturing the document content on a memory) into an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product. It is desirable to.

Alternatively, the electronic document generating unit 1225 generates document content including at least one of customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215, and the document. Watermarking at least one or more of customer information included in the automatic deferred consent registration information and automatic deferred consent information on captured image contents (e.g., image contents generated by capturing the document contents on a memory). After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as an automatic deferred electronic document for automatic deferred consent for the personal credit financial product.

According to another exemplary embodiment of the present invention, the electronic document generator 1225 includes at least one customer information and automatic smoke consent information included in the automatic smoke consent registration information received through the information receiver 1215. A predetermined document file (eg, PDF (Portable Document Format) including document content generated by the document content and capturing the document content (e.g., image content generated by capturing the document content on a memory). ), Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process the automatic postponed consent electronic document for consent.

Alternatively, the electronic document generating unit 1225 generates document content including at least one of customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215, and the document. Watermarking at least one or more of customer information included in the automatic deferred consent registration information and automatic deferred consent information on captured image contents (e.g., image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that generates image content including the watermarking method and includes the watermarked image content Generating a word processor file including at least one or more, or a web document file including an MHT) It is preferable to delay processing to automatically accept electronic documents for the automatic postponement agreed to loan instruments.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1225 includes at least one customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215. A predetermined document file including an image content (eg, image content generated by capturing the document content on a memory) and the automatic smoke consent registration information; Personal information by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is advisable to process the electronic deferred electronic document for automatic deferred consent for financial instruments.

Alternatively, the electronic document generating unit 1225 generates document content including at least one of customer information and automatic deferred consent information included in the automatic deferred consent registration information received through the information receiving unit 1215, and the document. Watermarking at least one or more of customer information included in the automatic deferred consent registration information and automatic deferred consent information on captured image contents (e.g., image contents generated by capturing the document contents on a memory). A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) is generated that generates an image content including the watermarking method, and includes the watermarking image content and the auto smoke consent registration information. ), A word processor file containing at least one or more HWP / DOC, etc., or a web document wave containing the MHT Work, etc.), it is preferable to process the automatic postponement consent electronic document for the automatic postponement agreement for the personal credit financial product.

Those skilled in the art to which the present invention pertains have the technical features of the electronic document generating unit 1225 generating an electronic document for automatic deferred consent of an image file format or a predetermined document file format, and the automatic deferred consent. Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1230 transmits and stores the automatic deferred consent electronic document generated by the electronic document generating unit 1225 to a predetermined electronic document repository associated with the automatic deferred consent information registration system. It is done.

As shown in FIG. 12, the electronic document repository is connected with the information registration server 1200 on the automatic smoke consent information registration system through a predetermined communication means, and the electronic document server 1245 and the electronic document D / B. When provided externally, the electronic document transmission unit 1230, the electronic smoke transfer electronic document generated by the electronic document generation unit 1225 to the electronic document server 1245 through the communication means Characterized in that the transmission.

Herein, when the electronic document server 1245 and the electronic document D / B are provided outside the automatic deferred consent information registration system, the electronic document server 1245 and the electronic document D / B are authorized organizations. It is desirable to manage at.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the automatic smoke consent information registration system, the electronic document transmitting unit 1230 is generated by the electronic document generating unit 1225. It is possible to store the electronic smoke consent electronic document is stored in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the automatic smoke consent information registration system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 1230 inputs electronic document related information (eg, the automatic postponement registration information) for generating predetermined electronic document management information in the electronic document server 1245. (Optional) further transmitting the information to the electronic document repository further including customer information, financial institution information for transmitting the automatic deferred consent electronic document, electronic document file format information, or the automatic deferred consent registration information, and the like. It is possible that the present invention is not limited thereby.

Referring to FIG. 12, the information registration server 1200 receives an automatic deferment agreement for the personal credit financial product through the validity confirming unit 1220 from the automatic deferred consent registration information received through the information receiving unit 1215. If the validity is authenticated, the information storage unit 1235 for storing the information stored in the predetermined storage medium 1240 by linking the customer information, the automatic smoke consent information included in the automatic smoke consent registration information is validated, Characterized in that made.

When the validity of the automatic postponement consent registration information is confirmed by the validity check unit 1220, the information storage unit 1235 processes the customer information and the automatic postponement consent information included in the automatic postponement consent registration information. The storage medium 1240 is characterized in that, when the storage medium 1240 is provided in the information registration server 1200, or provided on the network associated with the information registration server 1200, The information storage unit 1235 preferably stores the information stored in the storage medium 1240 by cooperatively processing the customer information and the automatic smoke consent information included in the received automatic smoke consent registration information, and the storage medium 1240 is financed. When provided in the DBMS provided on the system, the information storage unit 1235 is the external information on the financial system to the customer information, automatic deferred consent information included in the received automatic deferred consent registration information It is desirable to provide the information system through and to store in the DBMS provided on the financial system.

Referring to FIG. 12, an electronic document server which receives a predetermined automatic smoke consent electronic document from the information registration server 1200 provided on the automatic smoke consent information registration system and stores and manages the same in the electronic document D / B. An electronic document receiving unit 1250 for receiving a predetermined automatic postponement consent electronic document from the information registration server 1200 through a predetermined communication means, and the received automatic postponement consent electronic document to the electronic document D. An information generation unit 1255 for generating predetermined electronic document management information for storage and management in / B, and the electronic document management information and the automatic smoke consent electronic document are processed in association and stored in a predetermined electronic document D / B. Characterized in that it comprises an electronic document storage unit 1260.

The electronic document receiving unit 1250 is characterized in that for receiving the automatic smoke agreement electronic document in the form of an image file or a document file from the information registration server 1200 through the communication means.

According to an embodiment of the present invention, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is automatically deferred by the information registration server 1200 from the information registration terminal 1265. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) that includes document information including at least one of customer information included in the consent registration information and automatic deferred consent information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. After the watermarking method includes at least one or more information of the customer information and the automatic smoke consent information included in the automatic smoke consent registration information in the document content including at least one of customer information, automatic smoke consent information, Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is included in the automatic deferred consent information received by the information registration server 1200 from the information registration terminal 1265. It is preferable to include an image file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of information and auto- smoke consent information. .

Alternatively, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is included in the automatic deferred consent information received by the information registration server 1200 from the information registration terminal 1265. Customer information included in the auto-smoke consent registration information in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information and automatic smoke consent information. And including at least one or more pieces of information of automatic smoke consent information by a watermarking method, and then including an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is automatically received by the information registration server 1200 from the information registration terminal 1265. Predetermined content including image information (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the postponement consent information and automatic postponement consent information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is included in the automatic deferred consent information received by the information registration server 1200 from the information registration terminal 1265. Customer included in the registration information of the automatic deferred consent in the image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one information and automatic deferred consent information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and auto- smoke consent information in a watermarking manner, and including the image content including the watermarking; Or a word processor file including at least one EDI (Electronic Data Interchange) file, or HWP / DOC, or the like, or Web document file including MHT).

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is received by the information registration server 1200 from the information registration terminal 1265. Image content (eg, image content generated by capturing the document content on a memory) and the automatic capture of document content including at least one of customer information included in the automatic smoke consent registration information and automatic smoke consent information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including a deferred consent property, or an MHT Web document files, etc.).

Alternatively, the automatic deferred consent electronic document received by the electronic document receiver 1250 through the communication means is included in the automatic deferred consent information received by the information registration server 1200 from the information registration terminal 1265. Customer information included in the auto-smoke consent registration information in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information and automatic smoke consent information. Generating an image content including at least one or more information of the automatic smoke consent information in a watermarking manner, and a document file including the watermarking image content and the automatic smoke consent registration information (eg, PDF). (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc. Preferably includes a word processor file, or a web document file including an MHT).

The information generating unit 1255 is a predetermined electronic document unique number (or unique information) to be assigned to the automatic postponement electronic document received through the electronic document receiving unit 1250, and through the electronic document receiving unit 1250 And generating electronic document management information including electronic document storage date and time information including a date and time at which the automatic deferred consent electronic document was received (or a date and time at which the automatic deferred consent electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1255 refers to the automatic deferment agreement with reference to the information registration server 1200 which has transmitted the automatic deferment agreement electronic document received through the electronic document receiving unit 1250. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1200 through the electronic document receiving unit 1250, the information generating unit 1255 may receive the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the automatic deferred consent registration information, financial institution information transmitting the automatic deferred consent electronic document, electronic document file format information, or the automatic deferred consent) It is preferable to generate the electronic document management information further including the registration information).

The electronic document storage unit 1260 associates the automatic deferred consent electronic document received through the electronic document receiving unit 1250 with the electronic document management information generated through the information generating unit 1255 to process a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 is received by the information registration server 1200 from the information registration terminal 1265. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document information including at least one of customer information included in the automatic deferred consent information, and automatic deferred consent information; or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. After the watermarking method includes at least one or more of the customer information included in the automatic smoke consent registration information and the automatic smoke consent information in document content including at least one of customer information and automatic smoke consent information included therein, A document file including document content including the watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or MHT). It is preferable that the web document file including a).

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and automatic smoke consent information included. It is preferable.

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. Include in the auto smoke consent registration information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and auto smoke consent information. After including at least one or more information of the customer information, the automatic smoke consent information in a watermarking (Watermarking) method, and preferably comprises an image file containing the image content including the watermarking.

According to another exemplary embodiment of the present invention, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 is stored in the information registration server 1200 by the information registration terminal 1265. Image content (eg, image content generated by capturing the document content on the memory) which captures document content including at least one of customer information included in the received automatic smoke consent registration information and automatic smoke deferred information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. Include in the auto smoke consent registration information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and auto smoke consent information. Generating an image content including at least one or more information of the customer information and automatic deferred consent information by a watermarking method, and including a document file including the watermarking image content (for example, PDF (Portable Document Format). ), Or an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more, such as HWP / DOC, or MHT It is preferable that the web document file including a).

According to another exemplary embodiment of the present invention, the automatic registration agreement electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be configured by the information registration server 1200 in the information registration terminal 1265. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the auto smoke agreement registration information received from the user and auto smoke agreement information. And a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) including the automatic smoke consent registration information, or Web document file including MHT).

Alternatively, the automatic deferred consent electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be included in the automatic deferred consent registration information received by the information registration server 1200 from the information registration terminal 1265. Include in the auto smoke consent registration information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of included customer information and auto smoke consent information. A document file including image information including the watermarking method and at least one or more information of the customer information and the automatic smoke consent information, and including the watermarking image content and the automatic smoke consent registration information ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. Preferably comprises a web page file, and so on) that include the word-processor file, or MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1260 in association with the automatic deferred consent electronic document is assigned to the automatic deferred consent electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1260 in association with the automatic deferred consent electronic document is stored in the electronic deferred consent electronic document. It is preferable that the financial institution further includes information on the financial institution that has transmitted the automatic deferred consent electronic document confirmed with reference to the information registration server 1200 transmitted.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 1200, the electronic document storage unit 1260 performs a process of linking with the automatic deferred consent electronic document. The electronic document management information stored in the electronic document D / B is transmitted to the received electronic document-related information (for example, the customer information transmitted by inputting (selecting) the automatic deferred consent registration information or the automatic deferred electronic document). Financial institution information, electronic document file format information, or the automatic deferred consent registration information).

Figure 13 illustrates the configuration of the automatic deferred consent information stored in the ledger D / B (1300) provided in the DBMS on the financial system in a non-face-to-face for the automatic deferred agreement for personal credit financial products according to an embodiment of the present invention One drawing.

In more detail, in FIG. 13, when the storage medium 1240 illustrated in FIG. 12 is a ledger D / B 1300 provided in a DBMS on a financial system, the ledger information provided in the ledger D / B 1300 is shown. FIG. 13 illustrates an information structure for an implementation method of storing automatic smoke consent registration information including customer information and automatic smoke consent information in the present invention. By referring to or modifying may be inferred from the various information configuration methods for storing the automatic smoke consent registration information in the ledger D / B (1300), the present invention includes all the inferred implementation method, this figure 13 It is not limited only to the implementation method shown in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1300 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 1300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that the additional information is included, and the specific technical matters for this will be understood, so the detailed description thereof is provided for convenience. The.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares; or Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 13, the automatic smoke consent registration information provided through the automatic smoke agreement information registration system shown in FIG. 12 is stored in the form of additional information added to the account ledger. Is characterized in that it comprises at least one or more customer information, automatic smoke consent information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

According to another embodiment of the present invention, the automatic deferred consent registration information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, the customer ledger). It may be stored in the form of additional information or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

14 is an automatic deferment agreement stored in a database linked to the ledger D / B 1400 provided in a DBMS on a financial system in a non-face-to-face manner for automatic deferment of a personal loan financial instrument according to another embodiment of the present invention. It is a figure which shows the structure of registration information.

More specifically, FIG. 14 shows information on an exemplary method in which the storage medium 1240 shown in FIG. 12 is stored in a predetermined database linked to the ledger D / B 1400 included in a DBMS on a financial system. As shown in the drawings, a person having ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 14 and associate the automatic smoke consent registration information with the ledger D / B 1400 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 14, when the automatic deferred consent registration information is not easily stored in the ledger information of the ledger D / B 1400 on the DBMS provided on the financial system (for example, in the policy of the financial institution, If it is not easy to change the ledger D / B 1400, or the system expansion is not easy due to the characteristics of the financial system), the automatic deferred consent registration information may be added to a predetermined database instead of the ledger D / B 1400. And an implementation method of storing the database by linking the database and the ledger D / B 1400.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 14, and the database on the Internet banking system, or telebanking, according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 14, the database stores and stores the customer information included in the automatic smoke consent registration information and the automatic smoke consent information in association, and the automatic smoke consent registration information is stored in the ledger D / B 1400. It is preferable that the automatic smoke agreement registration information further comprises a CIF number corresponding to the ledger information in order to be processed in association with).

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

15 is a view showing the configuration of the automatic deferred consent registration information stored in the DBMS provided in the banking server in a non-face-to-face for the automatic deferment agreement for personal credit financial products according to another embodiment of the present invention.

More specifically, FIG. 15 shows a DBMS in which a storage medium 1240 shown in FIG. 12 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, automatic smoke stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present invention 15 It is possible to infer a method of constructing information on consent registration information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, a predetermined DBMS provided in the banking server may store and store customer information and automatic deferred consent information included in the automatic deferred consent registration information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who filled out the automatic postponement consent form, and member information (eg, the customer Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the automatic deferred consent information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The automatic postponement consent information may include information on the target credit loan product for automatic postponement and customer signature (or seal) for agreeing the automatic postponement.

16A and 16B illustrate a process of registering automatic deferred consent registration information in a non-face-to-face manner for automatic deferred consent for a personal credit financial product according to one embodiment of the present invention.

In more detail, in FIG. 16A and FIG. 16B, the information registration terminal 1265 on the automatic smoke agreement information registration system shown in FIG. 12 is a client terminal, and the information registration server 1200 is a client terminal through a predetermined network means. In the case of having the web server function to be accessible, an automatic deferment agreement including at least one of customer information and automatic deferred consent information through the client terminal for the predetermined deferment of the customer's automatic deferment for the personal credit financial product. If the registration information is provided, the automatic smoke agreement information registration system generates a predetermined automatic smoke agreement electronic document including the provided automatic smoke agreement registration information and stores it in a predetermined electronic document storage, A predetermined storage medium (1) is processed by linking the included customer information and automatic smoke consent information. The method of the present invention relates to an embodiment of the present invention, and to those of ordinary skill in the art to which the present invention pertains, reference or modification of the drawings 16a and 16b is performed to the information registration server 1200 from the client terminal. Various implementation methods for registering the automatic smoke agreement registration information may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

For example, in the method shown in FIGS. 16A and 16B, the client terminal inputs (or selects) the automatic smoke consent registration information through a predetermined web page provided by the information registration server 1200. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the information registration server 1200, and the present invention is not limited thereto.

Hereinafter, in FIG. 16A and FIG. 16B, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 is called "server" for convenience, and in the client terminal The customer information and the automatic deferred consent information transmitted to the information registration server 1200 are referred to as "auto deferred consent registered information" for convenience.

Referring to FIGS. 16A and 16B, when the client terminal illustrated in FIG. 12 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc. to connect to the server to connect a predetermined communication channel, the automatic credit for the personal credit financial products When requesting a web page including a user interface for deferred consent (1600), the server correspondingly inputs (or selects) automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information. Generate (or extract) a web page including a user interface for transmission to the server (1605), and generate the network means. It outputs to send the web page to the generating comprises a user interface (or extract) to the mobile station (1610).

According to the exemplary embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the automatic smoke agreement registration information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) auto-smoke agreement registration information including at least one or more customer information and auto-smoke agreement information through a user interface included in the web page (1615).

If the terminal inputs (or selects) the auto smoke consent registration information including the customer information and the automatic smoke consent information through the user interface (1620), the terminal inputs (or selects) the communication channel. The customer information and the automatic deferred consent information are transmitted to the server (1625).

According to an embodiment of the present invention, the terminal is a predetermined password for confirming the validity of the automatic smoke agreement registration information in the server to the automatic smoke agreement registration information including at least one of the customer information, automatic smoke agreement information Alternatively, at least one or more of the security card information or an OTP code generated through a predetermined one time password (OTP) generator may be transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption, or public key based encryption) for automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or by attaching a predetermined electronic signature to the auto- smoke agreement registration information and transmitting the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate is a predetermined IC chip (or IC) Card), the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for checking is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption, or public key based encryption) for automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, etc.) and transmits the encrypted data to the server through the network means. Or a predetermined public certificate including at least one encryption key, or provided in the IC chip (or IC card) when the public certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the accredited certificate.

Those skilled in the art to which the present invention pertains include technical features for various encryption schemes for encrypting the automatic smoke agreement registration information, and technical features for attaching a predetermined electronic signature to the automatic smoke agreement registration information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the auto smoke agreement information through the communication channel to confirm the validity of the auto smoke agreement registration information (1630).

According to an embodiment of the present invention, the automatic deferred motion registration information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received auto-submit agreement information.

Alternatively, when a predetermined electronic signature is attached to the automatic smoke agreement registration information, the server verifies the digital signature attached to the automatic smoke agreement registration information, thereby validating the validity of the received automatic smoke agreement information. It is preferable.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption schemes for decrypting the encrypted auto-smoke agreement registration information and the electronic signature attached to the auto-smoke agreement registration information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the automatic deferred consent registration information received through the information receiving unit 1215 further includes a predetermined password for confirming the validity of the automatic deferred consent registration information, the server may be configured as described above. It is preferable to authenticate the validity of the received automatic smoke consent registration information by comparing and authenticating a password included in the automatic smoke consent registration information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the automatic deferred consent registration information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the automatic deferred consent registration information, the server accepts the automatic deferred consent. By comparing and authenticating the received security card information included in the registration information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received automatic smoke consent registration information.

Alternatively, when the automatic smoke agreement registration information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the automatic smoke agreement registration information, the server registers the automatic smoke agreement. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received auto-smoke agreement registration information is verified. It is desirable to.

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent information is at least matched with the automatic deferred consent registration information on the ledger D / B 1400 on the financial system associated with the automatic deferred consent information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 1220 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the automatic deferred consent information registration system among information included in the automatic deferred consent registration information. It is preferably made to include matching with the customer ledger stored in the D / B (1400).

In addition, the validity check is the account ledger stored in the ledger D / B (1400) on the financial system of the credit information of the customer is linked to the automatic deferred consent information registration system of the information contained in the automatic deferred consent registration information It is preferable to include checking whether the match (or the loan ledger).

If the validity of the auto smoke agreement registration information is not authenticated (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640), and registers the auto smoke agreement. Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the automatic smoke agreement registration information is authenticated (1635), the server generates at least one document information including the automatic smoke agreement information, at least one or more customer information including the automatic smoke agreement registration information and ( In operation 1650, a predetermined automatic smoke consent electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and automatic smoke consent information included in the received automatic smoke consent registration information, and a document file including the document content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document for the automatic postponement consent for the automatic postponement of the product.

Alternatively, the server generates document content including at least one of customer information included in the received auto smoke agreement registration information and auto smoke agreement information, and the customer information included in the auto smoke agreement registration information in the document content. A document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic Data) including document content including the watermarking after including at least one or more pieces of information of the automatic deferred consent information in a watermarking manner). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an automatic postponement consent electronic document for automatic postponement agreement for the personal credit instrument. It is preferable.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). It is preferable to process an image file including document content generated by capturing document contents on a memory into an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). Image content generated by capturing document content on a memory) including at least one or more of the customer information and the automatic smoke consent information included in the automatic smoke consent registration information in a watermarking manner, and then including the watermarking. It is preferable to process the image file including the image content to the automatic deferred consent electronic document for the automatic deferred consent for the personal credit financial products.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and automatic smoke agreement information included in the received automatic smoke agreement information, and captures the document content. ) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to process the automatic deferred consent electronic document for the automatic deferred consent for the personal credit financial products.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). Generating image contents including at least one of customer information included in the automatic smoke consent registration information and automatic smoke consent information in a watermarking method in image content generated by capturing document contents on a memory; A document file including image content including the watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or MHT). By creating a web document file including), the automatic deferment agreement for the personal credit financial products It is preferable to process the electronic document for automatic smoke consent.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and automatic smoke consent information included in the received automatic smoke agreement information, and captures the document content ( A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) that includes captured image content (e.g., image content generated by capturing the document content on a memory) and the automatic smoke consent registration information. Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the document.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). Image content generated by capturing document content on a memory) by generating a watermarking method including at least one of customer information and automatic smoke consent information included in the automatic smoke consent registration information; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content including the watermarking and the automatic smoke consent registration information. The personal credit by generating a word processing file including; or a web document file including MHT). It is treated as automatically delayed agreement for the electronic document automatically agree to postpone the fusion product is preferred.

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

Thereafter, the server stores the generated automatic smoke consent electronic document in a predetermined electronic document storage (1655).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1245 and an electronic document D / B connected to the server on the automatic smoke consent information registration system through predetermined communication means. When provided, the server preferably transmits the generated automatic smoke agreement electronic document to the electronic document server 1245 through the communication means to store the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the automatic deferred consent information registration system, the server sends the generated electronic deferred consent electronic document on the DBMS provided in the automatic deferred consent information registration system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the automatic postponement consent electronic document in the electronic document storage may be performed by linking the generated automatic postponement consent electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the automatic deferred consent electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the automatic postponement consent electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the automatic deferred consent registration information, or financial institution information transmitting the automatic deferred consent electronic document, or electronically). Document file format information, or the automatic smoke consent registration information).

If the automatic deferred consent electronic document is stored in the electronic document repository (1660), the server processes the customer information and automatic deferred consent information included in the automatic deferred consent registration information in a predetermined storage medium (1240). Information stored in the storage device (1665), predetermined information registration history information (e.g., the history of storing the automatic smoke consent electronic document in the electronic document storage, or the history of storing the automatic smoke consent registration information in the storage medium 1240). ) Is generated (or extracted) and transmitted to the terminal (1670).

According to an embodiment of the present invention, the storage medium 1405 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B 1400. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1405 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

17A, 17B, and 17C illustrate a process of registering automatic deferred consent registration information through a non-face-to-face financial transaction channel for automatic deferred consent for a personal credit financial product according to one embodiment of the present invention.

In more detail, FIGS. 17A, 17B, and 17C illustrate a case where the automatic deferred consent information registration system shown in FIG. 12 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the automatic shown in FIG. 12). In the case where the information registration server 1200 on the deferred consent information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits predetermined automatic deferred consent registration information for automatic deferred consent for the personal credit financial product to the internet banking server, the received automatic deferred consent is registered at the internet banking server. Generate a predetermined automatic smoke consent electronic document containing the information and store it in a predetermined electronic document storage; An embodiment of the present invention relates to an implementation method of linking and processing the customer information included in the deferred consent information and automatic deferred consent information in a predetermined storage medium 1240, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to or modifying the drawings 17a, 17b, and 17c, various implementation methods for registering the auto-deferred motion registration information through different types of non-face-to-face financial transaction channels may be inferred. All implementation methods are included, and the present invention is not limited to the implementation methods shown in FIGS. 17A, 17B, and 17C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 17A, 17B, and 17C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering automatic deferred consent registration information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains is provided. By referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 17A, 17B, and 17C, the client terminal and the Internet banking are based on a predetermined internet banking program mounted on the client terminal. server Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering an automatic deferred motion registration information therebetween, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 17a, 17b and 17c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel based financial transaction channel for automatic deferred motion registration registration, but the present invention provides the telebanking system or It includes all kinds of non-face-to-face channel based financial transactions, including wireless banking system or TV banking system or future proposed non-face-to-channel banking system, and the technical configuration of the present invention is shown in FIGS. 17A, 17B and 17C. It is by no means limited to Internet banking.

17A, 17B, and 17C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1200 is referred to as " server "

17A, 17B, and 17C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1705a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be mounted or updated in the terminal (1715a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1720a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1725a), or if the terminal does not need to load or update the Internet banking security module (1715a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1730a), where the security channel for internet banking is referred to as Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the auto- smoke agreement registration information in the terminal When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (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 the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of the auto- smoke consent registration information. Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1740a). In operation 1745a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (x60a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined automatic deferred consent registration information for automatic deferred consent for a personal credit financial product from the terminal.

Subsequently, when the terminal requests a web page including a user interface for automatic deferment of the personal credit financial product to the server through an internet banking-based financial transaction channel (x00b), the server correspondingly Generating (or extracting) a web page including a user interface for inputting (or selecting) automatic smoke consent registration information including at least one information and automatic smoke consent information to the server (1705b); In operation 1710b, a webpage including the generated (or extracted) user interface is transmitted to the terminal through a banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) automatic smoke consent registration information including at least one of customer information and automatic smoke consent information in the terminal. Or a predetermined password or security card information (e.g., security card information printed on a security card issued to the customer during the internet banking application process) to confirm the validity of the Internet banking customer requesting to register the automatic deferred consent registration information. Or a user interface for entering a One Time Password (OTP) (e.g., a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include.

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

Thereafter, the terminal inputs (or selects) auto-smoke agreement registration information including at least one of the customer information and auto-smoke agreement information through the information registration interface (1715b).

If the terminal inputs (or selects) the auto smoke consent registration information including the customer information and the auto smoke consent information through the user interface (1720b), the terminal inputs (or selects) through the financial transaction channel. In step 1725b, the deferred registration information is transmitted to the server.

According to an embodiment of the present invention, the terminal is a predetermined password for confirming the validity of the automatic smoke agreement registration information in the server to the automatic smoke agreement registration information including at least one of the customer information, automatic smoke agreement information Alternatively, at least one or more of the security card information or an OTP code generated through a predetermined one time password (OTP) generator may be transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption, or public key based encryption) for the automatic deferred consent information including at least one of the customer information and automatic deferred consent information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or by attaching a predetermined electronic signature to the auto- smoke agreement registration information and transmitting the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) ), The official certificate provided in the IC chip (or IC card) It is equipped with a card reader for checking is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption, or public key based encryption) for automatic deferred consent registration information including at least one of the customer information and automatic deferred consent information. Method, or an electronic envelope-based encryption method, or a key exchange-based encryption method, etc.) and transmits the encrypted data to the server through the network means. Or a predetermined public certificate including at least one encryption key, or provided in the IC chip (or IC card) when the public certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the accredited certificate.

Those skilled in the art to which the present invention pertains include technical features for various encryption schemes for encrypting the automatic smoke agreement registration information, and technical features for attaching a predetermined electronic signature to the automatic smoke agreement registration information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the auto smoke agreement registration information through the financial transaction channel to check the validity of the auto smoke agreement registration information (1730b).

According to an embodiment of the present invention, the automatic deferred motion registration information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received auto-submit agreement information.

Alternatively, when a predetermined electronic signature is attached to the automatic smoke agreement registration information, the server verifies the digital signature attached to the automatic smoke agreement registration information, thereby validating the validity of the received automatic smoke agreement information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted auto-delay agreement information, and a technology for confirming an electronic signature attached to the auto-delay agreement information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the automatic smoke agreement registration information received through the server further includes a predetermined password for checking the validity of the automatic smoke agreement registration information, the server registers the automatic smoke agreement. It is preferable to verify the validity of the received automatic smoke consent registration information by comparing and authenticating a password included in the information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the automatic deferred consent registration information received through the server further includes predetermined security card information for confirming the validity of the automatic deferred consent registration information, the server is included in the automatic deferred consent registration information. By comparing and authenticating the received security card information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received automatic smoke consent registration information.

Alternatively, when the auto smoke agreement registration information received through the server further includes a predetermined OTP code for checking the validity of the auto smoke agreement registration information, the server is included in the auto smoke agreement registration information. It is preferable to authenticate the validity of the received auto- smoke consent registration information by comparing and authenticating the received OTP code with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity confirmation of the automatic deferred consent information is at least matched with the automatic deferred consent registration information on the ledger D / B 1400 on the financial system associated with the automatic deferred consent information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the server may include a ledger D / B (1400) on the financial system in which the customer information (customer personal information, member information, etc.) of the information included in the automatic deferred consent registration information is linked to the automatic deferred consent information registration system. It is desirable to include a check that matches the customer ledger stored in).

In addition, the validity check is the account ledger stored in the ledger D / B (1400) on the financial system of the credit information of the customer is linked to the automatic deferred consent information registration system of the information contained in the automatic deferred consent registration information It is preferable to include checking whether the match (or the loan ledger).

If the validity of the auto smoke agreement registration information is not authenticated (1735b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1740b), and the auto smoke agreement registration information. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the automatic smoke agreement registration information is authenticated (1735b), the server generates at least one document information including the automatic smoke agreement information, at least one or more customer information including the automatic smoke agreement registration information ( 1745b), a predetermined automatic postpone consent electronic document including the document content is generated (1750c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and automatic smoke consent information included in the received automatic smoke consent registration information, and a document file including the document content. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document for the automatic postponement consent for the automatic postponement of the product.

Alternatively, the server generates document content including at least one of customer information included in the received auto smoke agreement registration information and auto smoke agreement information, and the customer information included in the auto smoke agreement registration information in the document content. A document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic Data) including document content including the watermarking after including at least one or more pieces of information of the automatic deferred consent information in a watermarking manner). Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an automatic postponement consent electronic document for automatic postponement agreement for the personal credit instrument. It is preferable.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). It is preferable to process an image file including document content generated by capturing document contents on a memory into an automatic deferred consent electronic document for automatic deferred consent for the personal credit financial product.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). Image content generated by capturing document content on a memory) including at least one or more of the customer information and the automatic smoke consent information included in the automatic smoke consent registration information in a watermarking manner, and then including the watermarking. It is preferable to process the image file including the image content to the automatic deferred consent electronic document for the automatic deferred consent for the personal credit financial products.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and automatic smoke agreement information included in the received automatic smoke agreement information, and captures the document content. ) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to process the automatic deferred consent electronic document for the automatic deferred consent for the personal credit financial products.

Alternatively, the server may generate document content including at least one of customer information and automatic smoke agreement information included in the received automatic smoke agreement information, and capture image content (eg, captured). Image content including the at least one of customer information included in the automatic smoke consent registration information and automatic smoke consent information in a watermarking method in image content generated by capturing the document content on a memory; A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC file, etc.) including the image content including the watermarking, or By creating a web document file containing MHT) It is preferable to process the electronic document for automatic smoke consent.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and automatic smoke consent information included in the received automatic smoke agreement information, and captures the document content ( A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic) that includes captured image content (e.g., image content generated by capturing the document content on a memory) and the automatic smoke consent registration information. Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the document.

Alternatively, the server may generate document content including at least one of customer information and auto smoke agreement information included in the received auto smoke agreement registration information, and capture image content (eg, the document content). Generating image contents including at least one of customer information included in the automatic smoke consent registration information and automatic smoke consent information in a watermarking method in image content generated by capturing document contents on a memory; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content including the watermarking and the automatic smoke consent registration information. The personal credit money by generating a word processor file or a web document file including MHT). It is advisable to treat the automatic deferred consent electronic document for the automatic deferred consent for the loan product.

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

Thereafter, the server stores the generated automatic smoke consent electronic document in a predetermined electronic document storage (1755c).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1245 and an electronic document D / B connected to the server on the automatic smoke consent information registration system through predetermined communication means. When provided, the server preferably transmits the generated auto-smoke agreement electronic document to the electronic document server 1245 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the automatic deferred consent information registration system, the server sends the generated electronic deferred consent electronic document on the DBMS provided in the automatic deferred consent information registration system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the automatic postponement consent electronic document in the electronic document storage may be performed by linking the generated automatic postponement consent electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B.

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

The electronic document management information may further include financial institution information that transmits the automatic postponement consent electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the automatic deferred consent registration information, or financial institution information transmitting the automatic deferred consent electronic document, or electronically). Document file format information, or the automatic smoke consent registration information).

If the automatic postponement consent electronic document is stored in the electronic document repository (1760c), the server processes the customer information and automatic postponement consent information included in the automatic postponement consent registration information in a predetermined storage medium 1405. 1765c, predetermined information registration history information (e.g., the history of storing the automatic postponement consent electronic document in the electronic document storage, or the history of storing the postponing consent registration information in the storage medium 1405). ) Is generated (or extracted) and transmitted to the terminal (1770c).

According to an embodiment of the present invention, the storage medium 1405 is preferably provided in a DBMS on a financial system provided on the automatic deferred consent information registration system (or associated with the automatic deferred consent information registration system). In this case, the storage medium 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 1400. The invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1405 is provided on (or associated with) the automatic deferred consent information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

According to the present invention, by providing a method and system for automatically deferring the personal credit, etc., there is an advantage that can reduce the amount of work, such as a branch, to maximize work efficiency.

Claims (5)

Identifying at least one credit financial product held by the customer by checking the ledger information corresponding to the predetermined audit target customer information by a predetermined ledger checking means; Confirming, by a predetermined maturity confirming means, the credit financing of which the maturity has arrived among the identified customer-owned credit financial instruments; Confirming, by a predetermined information confirming means, the credit deferred financial product to be automatically deferred among the maturity credited financial products; And And storing the information on the automatic deferred credit financial product information in a predetermined storage medium in a predetermined storage medium in a predetermined information storage means. The method of claim 1, Identifying credit loans subject to automatic deferred examination among the maturity loan loans in the predetermined information checking means; Periodically determining, by a predetermined automatic deferral examination means, whether or not the creditable financial instrument subject to automatic deferred examination can be recovered from the identified maturity credit loan; And If it is determined that a predetermined information storage means is possible to recover the credit deferred financial products, adding the automatic deferred credit financial products to the automatic deferred credit financial products and storing them on the storage medium; Auto smoke screening method comprising the. The method of claim 1, And transmitting, to a customer communication means, the credit deferred financial product information in a predetermined information transmitting means. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Ledger verification means for verifying at least one credit financial product held by the customer by checking the ledger information corresponding to the predetermined audit target customer information; Expiration checking means for checking the credit financing of the customer maturity of the identified customer-owned credit financial products; Information verification means for confirming credit loans subject to automatic deferral among the maturity loans; And And an information storage means for processing the credit deferred financial product information linked to the customer information in a predetermined storage medium.

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