KR20090002004A - Integrated messenger banking system and method by using personal financial management system and program recording medium - Google Patents

Abstract

An integrated messenger banking system and a method using a personal financial management system are provided to activate an existing community and an existing messenger by using a messenger protocol conversion function of the personal financial management system. An integrated messenger banking system and a method using a personal financial management system comprise the following units. A terminal(870) transmits different messenger form information through a predetermined messenger protocol and different messenger account information corresponding to the different messenger. A server(865) confirms a contact of the different messenger through an external messenger protocol corresponding to the different messenger form information and connects the terminal to a messenger communications channel by converting a predetermined messenger protocol.

Description

Integrated Messenger Banking System and Method by Using Personal Financial Management System and Program Recording Medium}

1 is a diagram illustrating a system of opening a face-to-face personal asset management account for integrated personal asset management of a customer according to an embodiment of the present invention.

2A and 2B are diagrams illustrating a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to one embodiment of the present invention.

3A and 3B are diagrams illustrating a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to another exemplary embodiment of the present invention.

4A and 4B illustrate a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a non-face-to-face personal asset management account opening system for integrated personal asset management of a customer according to another embodiment of the present invention.

6A and 6B are diagrams illustrating a process of opening a personal asset management account for managing an integrated personal asset of a customer in a non-face-to-face manner according to one embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating a process of opening a personal asset management account for integrated personal asset management of a customer according to one embodiment of the present invention.

8 is a diagram illustrating a configuration of an integrated messenger banking system for a personal asset management customer according to an embodiment of the present invention.

9 is a diagram showing the configuration of a personal asset management program function recorded on a recording medium provided to the customer terminal for integrated asset management of a customer according to an embodiment of the present invention.

10 is a diagram illustrating a process of connecting a heterogeneous messenger and a messenger communication channel through a messenger function included in a personal asset management program in a customer terminal according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a messenger banking process between a messenger and a heterogeneous messenger provided in a personal asset management program according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a messenger banking process between a messenger and a heterogeneous messenger provided in a personal asset management program according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating an account transfer transaction process between a messenger and a heterogeneous messenger provided in a personal asset management program according to an embodiment of the present invention.

<Description of main parts of drawing>

800: personal asset management server 805: personal asset management management unit

810: PFMS messenger interface unit 815: messenger protocol conversion unit

820: external messenger interface unit 825: information receiving unit

830: external messenger verification unit 835: banking information receiver

840: account verification unit 845: authentication processing unit

850: Bank transfer processing unit 855: Information transmission unit

860: storage medium 865: messenger server

870: messenger terminal 875: customer terminal

The present invention interoperates with a personal asset management system comprising a terminal having a predetermined personal asset management program and a server providing an integrated asset management service in connection with the personal asset management program, and a heterogeneous messenger through a predetermined messenger protocol. Confirming a messenger connection state between a terminal transmitting heterogeneous messenger account information corresponding to the heterogeneous messenger type information and a heterogeneous messenger terminal corresponding to the heterogeneous messenger account through an external messenger protocol corresponding to the heterogeneous messenger type information; When the heterogeneous messenger connection is confirmed, the present invention relates to an integrated messenger banking method and system using a personal asset management system including a server for connecting a messenger communication channel between the terminal and the heterogeneous messenger terminal through a predetermined messenger protocol conversion.

As national interest in financial technology increases, personal financial management that collects and manages all financial assets of individuals distributed in each financial institution such as banks, securities firms, credit card companies, and insurance companies online and manages them in one place. System (PFMS) system has been commercialized.

The personal asset management system can be viewed in two aspects. First, as an integrated account management service, it is possible to enjoy the same effect as accessing all financial institutions simultaneously with a single connection. Wealth management program Integrate it into one software so that customers do not have to navigate and trade websites, but they also integrate and view financial assets scattered at each financial institution.

The second aspect of the personal asset management system is to enable more specific and accurate planning or future design through various simulation functions based on data accumulation and information processing functions as personal financial management services. For example, whether the current asset composition is appropriate, whether there is a problem with past and present spending, how my assets will grow and change in the future, whether I can buy a house at a planned time, or whether old age is sufficient. This includes predicting and planning things and presenting them in more specific numbers through accumulated data and programs.

However, the personal asset management system focuses on managing and quantifying distributed assets, and the actual financial transactions are inconvenient to access the financial institutions through the interface provided by the personal asset management program, and the personal asset management and financial technology. In order to achieve this, the most important issue is that it cannot form a community.

An object of the present invention for solving the above problems, through a personal asset management system comprising a terminal having a predetermined personal asset management program and a server providing an integrated asset management service in connection with the personal asset management program, Transmitting heterogeneous messenger type information and heterogeneous messenger account information corresponding to the heterogeneous messenger through a predetermined messenger protocol, and the heterogeneous messenger account through the external messenger protocol corresponding to the heterogeneous messenger type information in the server; Confirming a messenger connection state of the heterogeneous messenger terminal corresponding to the; and when the heterogeneous messenger connection is confirmed as the result of the checking, connecting the messenger communication channel between the terminal and the heterogeneous messenger terminal through a predetermined messenger protocol conversion in the server; Step at the terminal Receiving predetermined banking identification information from the heterogeneous messenger terminal through a messenger protocol conversion; outputting a predetermined account transfer interface corresponding to the banking identification information from the terminal; and withdrawing account information and withdrawal through the account interface; Inputting bank transfer request information including at least one of bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information to the server through the messenger protocol; and transferring the account from the server Checking whether the withdrawal account included in the request information is included in the object of personal asset management; if the withdrawal account is included in the object of personal asset management, authenticating the account transfer transaction through the transaction authentication information; And withdrawing the transfer amount into the deposit account. Which it is to provide an integrated method using the personal messenger banking asset management systems.

The integrated messenger banking system using the personal asset management system according to the present invention comprises a terminal having a predetermined personal asset management program and a server for providing an integrated asset management service in connection with the personal asset management program. The terminal interoperates with the system and transmits the heterogeneous messenger type information and the heterogeneous messenger account information corresponding to the heterogeneous messenger through a predetermined messenger protocol, and the heterogeneous messenger account through the external messenger protocol corresponding to the heterogeneous messenger type information. And confirming a messenger connection state of a corresponding heterogeneous messenger terminal, and when the heterogeneous messenger connection is confirmed, a server for connecting a messenger communication channel between the terminal and the heterogeneous messenger terminal through a predetermined messenger protocol conversion. do.

According to the present invention, the terminal outputs a predetermined account transfer interface, and includes at least one withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information and transfer amount information through the account interface. The account transfer request information is input to the server through the messenger protocol.

According to the present invention, the server checks whether the withdrawal account included in the bank transfer request information is included in the personal asset management object, and if the withdrawal account is included in the personal asset management object, the transaction authentication information is performed through the transaction authentication information. It is characterized in that the account transfer transaction is authenticated, the withdrawal amount is withdrawn from the withdrawal account and deposited into the deposit account.

According to the present invention, the server transmits the account transfer history to the terminal, checks the messenger connection state of the heterogeneous messenger terminal in the server, and if the connection of the heterogeneous messenger terminal is confirmed, the account transfer history is recorded. And transmitting to the heterogeneous messenger terminal through the external messenger protocol, or if the connection of the heterogeneous messenger terminal is not confirmed, transmitting the account transfer history to the heterogeneous messenger terminal through a message (or mail). It is characterized by.

On the other hand, the integrated messenger banking method using the personal asset management system according to the present invention, the individual comprising a terminal having a predetermined personal asset management program and a server providing an integrated asset management service in connection with the personal asset management program Transmitting heterogeneous messenger type information and heterogeneous messenger account information corresponding to the heterogeneous messenger through a predetermined messenger protocol using an asset management system; and an external messenger corresponding to the heterogeneous messenger type information at the server Checking a messenger connection state of a heterogeneous messenger terminal corresponding to the heterogeneous messenger account through a protocol; and if the heterogeneous messenger connection is confirmed as the result of the checking, the terminal and the heterogeneous messenger terminal are converted through a predetermined messenger protocol conversion in the server. Messenger communication channel Gyeolhaneun step;

Receiving predetermined banking identification information from the heterogeneous messenger terminal through the messenger protocol conversion at the terminal;

The terminal outputs a predetermined account transfer interface corresponding to the banking identification information, and at least one of withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information through the account interface; Inputting the transfer request information including the transfer information to the server through the messenger protocol; checking whether the withdrawal account included in the transfer request information is included in the object of personal asset management; If the account is included in the personal asset management object, characterized in that it comprises the step of authenticating the account transfer transaction through the transaction authentication information, withdrawing the transfer amount from the withdrawal account and deposits it into the deposit account; .

According to the present invention, the integrated messenger banking method using the personal asset management system, the step of transmitting the account transfer history from the server to the terminal and check the messenger connection state of the heterogeneous messenger terminal in the server, the heterogeneous When the connection of the messenger terminal is confirmed, the account transfer history is transmitted to the heterogeneous messenger terminal through the external messenger protocol. If the connection of the heterogeneous messenger terminal is not confirmed, the account transfer history is transmitted through a message (or mail). Characterized in that it further comprises the step of transmitting to the heterogeneous messenger terminal.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the integrated messenger banking method using the personal asset management system described above.

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

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

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

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

1 is a diagram illustrating a system for opening a face-to-face personal asset management account for integrated personal asset management of a customer according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined customer prepares a personal asset management application form including at least one predetermined customer information, application information for opening an asset management account, at least one personal asset management target account information, and messenger account information. When submitted to a window provided at a financial institution of the financial institution, the financial institution opens a personal asset management account for the integrated personal asset management of the customer based on the personal asset management application information corresponding to the personal asset management application, As a system configuration for storing personal asset management operation information for managing a personal asset management account in a predetermined storage medium 180, a person having ordinary knowledge in the technical field to which the present invention pertains will refer to FIG. And / or modify the system to open a personal asset management account system for integrated personal asset management of a customer. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 and omit the method of carrying out the method of storing the personal asset management electronic document in the electronic document storage. It is possible to infer the establishment of an opening system, and even when the personal asset management electronic document is stored in the electronic document storage, the electronic document storage is located in the personal asset management account opening system, in addition to the implementation method shown in FIG. It will be possible to infer an implementation method provided in the DBMS, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, the registration of at least one personal asset management target account information and messenger account information in FIG. 1 may be performed through a predetermined information registration procedure separately from opening the personal asset management account, thereby limiting the present invention. Not.

Hereinafter, the customer manages the personal asset management account in response to the personal asset management application and the personal asset management application information prepared by the customer through a predetermined financial account opening interface on the personal asset management account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined personal asset management electronic document and storing it in a predetermined electronic document storage, for convenience, is referred to as a "financial company server 100". .

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a personal asset management account for integrated personal asset management of a customer includes a terminal including a counter terminal provided at at least one branch (or branch) of a financial institution. It characterized in that it comprises a device 190, the terminal device 190 is connected to the communication channel and the financial company server 100 provided on the personal asset management account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (office) for integrated personal asset management of the customer, and visits a window staff (or counter staff) at the financial institution branch (business). Through a predetermined personal asset management application (e.g., a document with a form for filling in at least one information item for the integrated personal asset management of the customer). Preferably, the customer seals the customer's seal for the legal basis for the personal asset management application.

Subsequently, when the customer submits the completed personal asset management application to the counter employee, the counter employee scans the personal asset management application through a predetermined image acquisition device to obtain predetermined image content, and executes a predetermined counter terminal. At least one or more image contents acquired in response to the personal asset management application, at least one or more personal asset management target account information and messenger account information, customer information, asset management account application information, and information written in the personal asset management application. Enters (or selects) personal asset management application information, and the counter terminal corresponds to a financial company server provided with the image content and personal asset management application information on the personal asset management account opening system through the financial network; 100).

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the personal asset management account opening system as described above, an image acquisition device for acquiring image contents corresponding to the personal asset management application prepared by the customer, the teller terminal used by the employee, the teller terminal and the financial company server 100 The financial network linking) performs a function of a financial account opening interface for the customer to register personal asset management application information for the integrated personal asset management of the customer.

The storage medium 180 provided on the personal asset management account opening system according to the present invention includes at least the customer information and personal asset management account information included in the personal asset management application information provided from the terminal device 190. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the personal asset management account opening system in response to the customer. It is preferable to comprise.

The personal asset management account information includes account information corresponding to the personal asset management account of the customer's name opened in the financial system based on the personal asset management account opening application information included in the personal asset management application information. desirable.

The personal asset management target account information includes at least one financial account information previously opened by the customer in the financial system, or at least one financial account information previously opened by the customer in at least one external financial system. It is preferable to include account information corresponding to at least one or more personal asset management target account to be integrated management through the asset management server 185.

After the messenger account information is opened (or personal asset management application), the messenger account information is provided through at least one messenger service (eg, text chat, voice chat, video chat, message exchange, File exchange, mailing, friend search, etc.).

According to an embodiment of the present invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or linked with the personal asset management account opening system). In this case, the storage medium 180 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the personal asset management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 100 provided on the personal asset management account opening system according to the present invention is a generic term for the personal asset management account opening system side components connected to the terminal device 190 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

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

According to the embodiment of the present invention, the financial company server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 190 through the financial network.

According to an embodiment of the present invention, when the terminal device 190 is a window terminal that is connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 190 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 integrates the customer. Acquire image content corresponding to the personal asset management application written by the customer through a predetermined image acquisition device provided in the terminal device 190 for asset management, and personal asset management application information corresponding to the personal asset management application. Generate (or extract) at least one user interface for inputting (or selecting) to the financial institution server 100 and transmitting the generated (or extracted) user interface in association with the interface unit 105. The interface providing unit 110 provided to the terminal device 190, and the personal asset management application through the user interface in the terminal device 190 An information receiver 115 which receives (or selects) corresponding personal asset management application information and receives the personal asset management application information transmitted from the terminal device 190 in association with the interface unit 105; When the terminal device 190 acquires and transmits image content corresponding to the personal asset management application written by the customer through a predetermined image acquisition device based on the user interface, the terminal unit 190 connects to the interface unit 105. Characterized in that the image receiving unit 120 for receiving the image content corresponding to the personal asset management application.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then integrates the customer with the financial institution server 100. When the user interface for personal asset management is requested, image contents corresponding to the personal asset management application prepared by the customer are acquired through a predetermined image acquisition device provided in the terminal device 190, and the personal asset management application is requested. Generate at least one user interface for inputting (or selecting) corresponding personal asset management application information to the financial institution server 100 via the financial network, and / or extracting from a predetermined database (not shown) The terminal device 19 is connected to the interface unit 105 through the financial network. It is characterized in that to provide 0).

According to another embodiment of the present invention, the terminal device 190 acquires image contents corresponding to the personal asset management application written by the customer through a predetermined image acquisition device, and manages the personal asset corresponding to the personal asset management application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the personal asset management application prepared by the customer through the user, and inputting (or selecting) the personal asset management application information corresponding to the personal asset management application to the financial institution server 100. Interface that generates (or extracts) an interface and provides it to the terminal device 190. The providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 190 receives personal asset management application information including at least one of the customer information, the asset management account opening application information, at least one personal asset management target account information, and the messenger account information through the user interface. And inputs (or selects) and transmits the input (or selected) personal asset management application information to the financial institution server 100 through the financial network. In response, the information receiving unit 115 transmits the interface unit 105. And the personal asset management application information transmitted from the terminal device 190 is linked.

In addition, the terminal device 190 obtains the image content corresponding to the personal asset management application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the personal asset management application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 190 acquires image content corresponding to the personal asset management application written by the customer through a predetermined image acquisition device, and is provided to the terminal device 190 ( Or, if stored in a predetermined storage device, the terminal device 190 is an image corresponding to the personal asset management application created by the customer of the at least one or more image content previously stored in the storage device through the user interface Select content and transmit it to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the personal asset management application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 190 displays image content corresponding to the personal asset management application written by the customer and the personal asset management application information corresponding to the personal asset management application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the personal asset management application and the personal asset management application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the personal asset management application information transmitted from the terminal device 190 through the information receiver 115, the received personal asset management application information is displayed. Characterized in that it comprises a validity check unit 125 to confirm that the validity for the integrated personal asset management of the customer.

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the data matches the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 190 through the image receiving unit 120, and manages the personal asset through the validity checking unit 125. When the validity of the application information is authenticated, an electronic document generation unit 130 for generating a predetermined personal asset management electronic document including the received image content, and the generated personal asset management electronic document to the personal asset management account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generator 130 generates a personal asset management electronic document including the image content received from the terminal device 190 through the image receiver 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 integrates the image file including the image content received from the terminal device 190 through the image receiving unit 120 as it is the integrated personal of the customer. It is desirable to treat it as a personal asset management electronic document for asset management.

Alternatively, the electronic document generating unit 130 is included in the personal asset management application information received through the information receiving unit 115 in the image content received from the terminal device 190 through the image receiving unit 120. Integrating the image file corresponding to the image content including watermarking method of the customer information, the application information for opening the asset management account, at least one or more personal asset management target account information and messenger account information; It is desirable to create a personal asset management electronic document for personal asset management.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 190 via the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a personal asset management electronic document for asset management.

Alternatively, the electronic document generating unit 130 is included in the personal asset management application information received through the information receiving unit 115 in the image content received from the terminal device 190 through the image receiving unit 120. Create image content including watermarking method of at least one of customer information, asset management account application information, at least one or more personal asset management target account information and messenger account information, and generates the generated image content A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is desirable to generate a personal property management electronic document for the integrated personal property management of the customer.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 190 through the image receiving unit 120. A predetermined document file (eg, 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 personal property management application information, or MHT By generating a web document file, including), it is preferable to generate a personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the electronic document generating unit 130 is included in the personal asset management application information received through the information receiving unit 115 in the image content received from the terminal device 190 through the image receiving unit 120. Generate image content including watermarking method of the customer information and the application information for opening the asset management account, at least one or more personal asset management target account information and messenger account information, the generated image content And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one predetermined document file including the personal asset management application information, or Personal asset management electronic document for integrated personal asset management of the customer by generating a web document file including MHT) To produce the preferred.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical characteristics of generating a personal asset management electronic document of the image file format and / or a predetermined document file format, and the individual Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to the asset management electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the personal asset management electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the personal asset management account opening system. It is done.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the personal asset management account opening system and a predetermined electronic document server 155 and electronic document D / B linked through predetermined communication means. When provided to the outside, including the (175), the electronic document transmitting unit 135 is the electronic document server generated by the electronic document generating unit 130 through the communication means the electronic document server ( 155).

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the personal asset management account opening system, the electronic document server 155 and the electronic document D / B (175) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The personal asset management electronic document can be stored in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the personal asset management account opening system, whereby the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may include electronic document-related information (eg, a personal asset corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. The electronic document further including customer information that has completed the management application, and / or financial institution information transmitting the personal asset management electronic document, and / or electronic document file format information, and / or the personal asset management application information, and the like. It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 authenticates the validity of the personal asset management application information received through the information receiver 115 through the validity verification unit 125 for the integrated personal asset management of the customer. Information for generating the financial account information based on the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information included in the validity-certified personal asset management application information. It is characterized in that it comprises a generation unit 140, and an account opening unit 145 for opening and processing the financial account of the customer name including the financial account information.

When the validity of the personal asset management application information is confirmed by the validity confirming unit 125, the information generating unit 140 includes at least the customer information and the asset management account opening application information included in the personal asset management application information. And generating the financial account information based on one or more personal asset management target account information and messenger account information.

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

The account opening unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating the predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the integrated personal of the customer in response to the personal asset management application information It is characterized by opening a predetermined financial account for asset management.

According to an embodiment of the present invention, when the financial institution server 100 and the financial system exist in the same system, the account opening unit 145 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 145 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 1, the financial institution server 100 authenticates the validity of the personal asset management application information received through the information receiver 115 through the validity verification unit 125 for the integrated personal asset management of the customer. The personal asset management information includes at least one of the customer information, the personal asset management account information, the at least one personal asset management target account information, and the messenger account information included in the personal property management application information which has been validated. It is characterized in that it comprises an information storage unit 150 for storing in a predetermined storage medium 180.

When the validity of the personal asset management application information is confirmed by the validity confirming unit 125, the information storage unit 150 includes at least the customer information and the personal asset management account information included in the personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is stored in the storage medium 180.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial company server 100 or on the network associated with the financial company server 100, the information storage unit 150 is The storage medium includes personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. Preferably at 180).

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in a DBMS provided on a financial system, the information storage unit 150 includes the customer information included in the received personal asset management application information. And personal asset management account information, at least one or more personal asset management target account information, and at least one personal account management information including messenger account information, by providing the information system through the external system on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 1, an electronic document which receives a predetermined personal asset management electronic document from the financial institution server 100 provided on the personal asset management account opening system and stores and manages it in a predetermined electronic document D / B 175. The document server 155 may include an electronic document receiver 160 for receiving a predetermined personal asset management electronic document from the financial institution server 100 through a predetermined communication means, and the received personal asset management electronic document. An information generation unit 165 for generating predetermined electronic document management information for storage and management in the D / B 175, and the electronic document management information and the personal asset management electronic document in association with the predetermined electronic document D. / B (175) is characterized in that it comprises an electronic document storage unit 170 to store.

The electronic document receiver 160 receives the personal asset management electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 160 through the communication means includes the image content received by the financial institution server 100 from the terminal device 190. It is preferable that the image file is included as it is.

Alternatively, the personal asset management electronic document received by the electronic document receiving unit 160 through the communication means is included in the personal asset management application information on the image content received by the financial institution server 100 from the terminal device 190. Including an image file corresponding to the image content including the customer information, the application information for opening the asset management account and at least one of at least one personal asset management target account information and messenger account information in a watermarking manner; It is preferable to make.

According to another exemplary embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 160 through the communication means includes the image content received by the financial institution server 100 from the terminal device 190. 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 personal asset management electronic document received by the electronic document receiving unit 160 through the communication means is included in the personal asset management application information in the image content received by the financial institution server 100 from the terminal device 190. A predetermined document file including image contents including watermarking method of the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information; , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another exemplary embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 160 through the communication means is an image content received by the financial institution server 100 from the terminal device 190. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one predetermined document file including the personal asset management application information, or Web document file including MHT).

Alternatively, the personal asset management electronic document received by the electronic document receiving unit 160 through the communication means is included in the personal asset management application information in the image content received by the financial institution server 100 from the terminal device 190. Image information including at least one of customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information by watermarking, and the personal asset management application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the personal asset management electronic document received through the electronic document receiving unit 160, and through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time at which the personal asset management electronic document is received (or a date and time at which the personal asset management electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 165 refers to the personal asset management electronics by referring to the financial institution server 100 that has transmitted the personal asset management electronic document received through the electronic document receiving unit 160. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., customer information for creating a personal asset management application corresponding to the image content, and / or financial institution information for transmitting the personal asset management electronic document, and / or electronic document file format information, and / or the It is desirable to generate electronic document management information further including personal asset management application information.

The electronic document storage unit 170 processes the electronic document management information generated through the information generating unit 165 and the personal asset management electronic document received through the electronic document receiving unit 160 in a predetermined electronic document D. / B (175) characterized in that the storage.

According to the exemplary embodiment of the present invention, the personal asset management electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial institution server 100 from the terminal device 190. It is preferable that the image file including the received image content is included as it is.

Alternatively, the personal asset management electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the image content received by the financial institution server 100 from the terminal device 190. Corresponds to image contents including watermarking method including customer information included in the personal asset management application information, application information for opening an asset management account, and at least one of at least one personal asset management target account information and messenger account information. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the financial institution server 100 stores the electronic document storage unit 170 in the electronic document D / B 175 in the financial company server 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, the conversion factor management electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the image content received by the financial institution server 100 from the terminal device 190. It includes image contents including watermarking method including customer information included in the personal asset management application information, application information for opening an asset management account, and at least one of at least one personal asset management target account information and messenger account information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the financial institution server 100 stores the personal asset management electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170. 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.) containing the image content and the personal asset management application information. A word processor file, or a web document file including MHT).

Alternatively, the personal asset management electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may be stored in the image content received by the financial institution server 100 from the terminal device 190. The image content and the personal information including the customer information included in the asset management application information, the application information for opening the asset management account, and at least one or more of at least one personal asset management target account information and messenger account information in a watermarking manner. A predetermined document file including asset management application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files, etc.).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the personal asset management electronic document is the personal asset management electronics. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the personal asset management electronic document is the personal asset management. The financial institution server 100 that has transmitted the electronic document preferably further includes information on the financial institution that has transmitted the personal asset management electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the electronic document by linking with the personal asset management electronic document. The electronic document management information stored in the document D / B 175 may include the received electronic document related information (for example, customer information in which a personal asset management application corresponding to the image content is prepared, and / or the personal asset management electronic document). Financial institution information, and / or electronic document file format information, and / or the personal asset management application information, and the like).

2A and 2B illustrate a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to one embodiment of the present invention.

In more detail, Figures 2a and 2b is a terminal device in which the terminal device on the personal asset management account opening system shown in Figure 1 is provided at a branch of a financial institution (or a branch), and the financial institution server is connected to a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal, a predetermined customer requests to open a customer information and asset management account in order to open a personal asset management account for integrated personal asset management of the customer. When a personal asset management application is prepared and submitted, the information includes at least one personal asset management target account information and at least one messenger account information, and the financial institution face-to-face based on the personal asset management application form. As a system configuration for opening and processing, specifically, the customer When the application is completed and submitted to the counter, the counter terminal acquires predetermined image content corresponding to the personal asset management application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server, and then the personal asset management application. When the personal asset management application information corresponding to the information is inputted (or selected) and transmitted to the financial institution server, the financial institution server, the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information It illustrates an implementation method of opening and processing the personal asset management account based on the personal asset management application information including at least one.

Those skilled in the art to which the present invention pertains, various analogous implementation methods for registering the personal asset management application information to the financial company server at the teller terminal by referring to and / or modifying the drawings 2a and 2b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

For example, the implementation method illustrated in FIGS. 2A and 2B includes a process of generating a predetermined electronic document corresponding to the personal asset management application and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 2A and 2B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the personal asset management application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the personal asset management application information corresponding to the personal asset management application is described as being provided from the financial institution server, but the predetermined information registration program is provided in the counter terminal. The user interface may not be provided from the financial institution server, and thus the present invention is not limited thereto.

In the following Figures 2a and 2b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 2A and 2B, a predetermined customer includes at least one of customer information, an application for opening an asset management account, at least one personal asset management target account information, and a messenger account information for the integrated personal asset management of the customer. When a personal asset management application is completed and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to integrate the customer corresponding to the personal asset management application. When requesting a user interface for personal asset management (200), in response, the server acquires predetermined image contents corresponding to the personal asset management application written by the customer through a predetermined image acquisition device in the terminal, and thereby the server. Generate (or extract) a user interface for transmission to the network (205), To the generated outputs to transmit the user interface (or extract) to the mobile station (210).

Thereafter, the terminal acquires image content corresponding to the personal asset management application through a predetermined image acquisition device based on the user interface (215).

If image content corresponding to the personal asset management application is obtained through the image acquisition device (220), the terminal transmits the obtained image content to the server through the financial network (225).

Thereafter, the server may include personal asset management information including at least one of customer information corresponding to the personal asset management application matching the image content, asset management account opening application information, at least one personal asset management target account information, and messenger account information. Generate (or extract) a user interface for inputting (or selecting) application information to the server (230), and transmit and output the generated (or extracted) user interface to the terminal through the financial network. (235).

Thereafter, the terminal inputs (or selects) personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through the user interface. (240).

When the personal asset management application information including the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information is input (or selected) through the user interface (245) In step 250, the terminal transmits the input (or selection) of the personal asset management application information to the server through the financial network.

Thereafter, the server receives and reads through the financial network personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information. The validity of the personal asset management application information is checked (255).

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

If the validity of the personal asset management application information is not authenticated (260), the server generates predetermined financial account error information and transmits it to the terminal (265), and the personal asset corresponding to the personal asset management application information. Do not open a control account.

On the other hand, if the validity of the personal asset management application information is authenticated (260), the server generates a predetermined personal asset management electronic document containing the image content (270).

According to an embodiment of the present invention, the server processes the image file including the image content received from the terminal device through the image receiving unit as a personal asset management electronic document for integrated personal asset management of the customer as it is. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. It is preferable to generate a personal asset management electronic document for the integrated personal asset management of the customer of the image file corresponding to the image content including at least one or more information of the management target account information and the messenger account information by the watermarking method. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data) including the image content received from the terminal device through the image receiving unit. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to generate a personal asset management electronic document for the integrated personal asset management of the customer. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. Generates image content including at least one of management target account information and messenger account information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or 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 a personal asset management electronic document.

According to another embodiment of the present invention, the server is a predetermined document file (for example, containing the image content received from the terminal device via the image receiving unit and the personal asset management application information received through the information receiving unit (eg , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a personal asset management electronic document for integrated personal asset management.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. A predetermined document file including image content including at least one of management target account information and messenger account information by a watermarking method, and including the generated image content and the personal asset management application information ( For example, 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 create a personal asset management electronic document for the integrated personal asset management of The.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and corresponding to the personal asset management electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated personal asset management electronic document in a predetermined electronic document storage (275).

As shown in FIG. 1, when the electronic document repository is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the personal asset management account opening system through predetermined communication means. The server preferably transmits the generated personal asset management electronic document to the electronic document server through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the server may store the generated personal asset management electronic document on the DBMS provided in the personal asset management account opening 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 personal asset management electronic document in the electronic document storage is performed by linking the generated personal asset management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 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 personal asset management 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 personal asset management electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a personal asset management application corresponding to the image content, and / or financial institution information for transmitting the personal asset management electronic document, and / or Or electronic document file format information, and / or the personal asset management application information).

If the personal asset management electronic document is stored in the electronic document repository (280), the server includes the customer information included in the personal asset management application information, asset management account opening application information and at least one personal asset management target account information And the financial account information is generated based on the messenger account information (285).

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. A financial account under the customer's name containing the information is opened (290).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the personal asset management application information. It characterized in that the opening of a predetermined financial account for the integrated personal asset management of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. Store in a predetermined storage medium (295).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and personal asset included in the received personal asset management application information. It is preferable to store personal asset management operation information including at least one of management account information, at least one or more personal asset management target account information, and messenger account information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in a DBMS provided on a financial system, the server includes at least the customer information and personal asset management account information included in the received personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server establishes predetermined financial account opening history information (eg, the personal asset management account opening history, and / or the history of storing the personal asset management electronic document in the electronic document repository, and / or the storage medium). Personal asset management application information stored) information is generated (or extracted) and transmitted to the terminal (299).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), wherein The storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is provided with (or linked to) an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the personal asset management account opening system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

3A and 3B illustrate a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to another exemplary embodiment of the present invention.

3a and 3b show the terminal device of the personal asset management account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial company server through a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal, a predetermined customer requests to open a customer information and asset management account in order to open a personal asset management account for integrated personal asset management of the customer. When a personal asset management application is prepared and submitted, the information includes at least one personal asset management target account information and at least one messenger account information, and the financial institution face-to-face based on the personal asset management application form. As a system configuration for opening and processing, specifically, the customer After completing the application form and submitting it to the counter, the counter terminal inputs (or selects) the personal asset management application information corresponding to the personal asset management application form and transmits it to the financial institution server, and then through a predetermined image acquisition device. When the predetermined image content corresponding to the personal asset management application is obtained and transmitted to the financial institution server, the financial institution server requests the customer information, the asset management account opening application information, at least one personal asset management target account information, and the messenger account information. It illustrates an implementation method of opening and processing the personal asset management account based on the personal asset management application information including at least one.

Those skilled in the art to which the present invention pertains, various analogous implementation methods for registering the personal asset management application information from the teller terminal to the financial company server by referring to and / or modifying the drawings 3a and 3b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, the implementation method illustrated in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the personal asset management application and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the personal asset management application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the personal asset management application information corresponding to the personal asset management application is described as being provided from the financial institution server, but the predetermined information registration program is provided in the counter terminal. The user interface may not be provided from the financial institution server, and thus the present invention is not limited thereto.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial company server shown in Figure 1 is referred to as a "server" for convenience, and from the window terminal to the financial company server. The customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information to be transmitted are referred to as "personal asset management application information" for convenience.

3A and 3B, a predetermined customer includes at least one of customer information, an application for opening an asset management account, at least one personal asset management target account information, and a messenger account information for managing an integrated personal asset of the customer. When a personal asset management application is completed and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to integrate the customer corresponding to the personal asset management application. When requesting a user interface for personal asset management (300), the server correspondingly the customer information corresponding to the personal asset management application prepared by the customer, asset management account opening application information and at least one personal asset management target account information Personal property management application information including at least one of Generates (or extracts) a user interface for transmitting to the server (or selects) and transmits the generated (or extracted) user interface to the terminal through the financial network (310). .

Thereafter, the terminal inputs (or selects) personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through the user interface. (315).

If the personal asset management application information including the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information is input (or selected) through the user interface (320) The terminal transmits the input (or selection) of the personal asset management application information to the server through the financial network (325).

Thereafter, the server receives and reads through the financial network personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information. The validity of the personal asset management application information is checked (330).

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

If the validity of the personal asset management application information is not authenticated (335), the server generates predetermined financial account error information and transmits it to the terminal (340), and the personal asset corresponding to the personal asset management application information. Do not open a control account.

On the other hand, if the validity of the personal asset management application information is authenticated (335), the server acquires predetermined image contents corresponding to the personal asset management application written by the customer through a predetermined image acquisition device in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (345), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (350).

Thereafter, the terminal acquires image content corresponding to the personal asset management application through a predetermined image acquisition device based on the user interface (355).

If image content corresponding to the personal asset management application is obtained through the image acquisition device (360), the terminal transmits the acquired image content to the server through the financial network (365).

The server receiving the personal asset management application information and the image content from the terminal generates a predetermined personal asset management electronic document including the image content (370).

According to an embodiment of the present invention, the server processes the image file including the image content received from the terminal device through the image receiving unit as a personal asset management electronic document for integrated personal asset management of the customer as it is. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. It is preferable to generate a personal asset management electronic document for the integrated personal asset management of the customer of the image file corresponding to the image content including at least one or more information of the management target account information and the messenger account information by the watermarking method. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data) including the image content received from the terminal device through the image receiving unit. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to generate a personal asset management electronic document for the integrated personal asset management of the customer. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. Generates image content including at least one of management target account information and messenger account information by a watermarking method, and includes a predetermined document file (eg, 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 of HWP / DOC, or a web document file including MHT). It is desirable to create asset management electronic documents.

According to another embodiment of the present invention, the server is a predetermined document file (for example, containing the image content received from the terminal device via the image receiving unit and the personal asset management application information received through the information receiving unit (eg , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a personal asset management electronic document for integrated personal asset management.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. Generates image content including at least one of management target account information and messenger account information by a watermarking method, and includes a predetermined document file including the generated image content and the personal asset management application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a personal asset management electronic document for integrated personal asset management. The.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and corresponding to the personal asset management electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated personal asset management electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, when the electronic document repository is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the personal asset management account opening system through predetermined communication means. The server preferably transmits the generated personal asset management electronic document to the electronic document server through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the server may store the generated personal asset management electronic document on the DBMS provided in the personal asset management account opening 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 personal asset management electronic document in the electronic document storage is performed by linking the generated personal asset management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 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 personal asset management 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 personal asset management electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a personal asset management application corresponding to the image content, and / or financial institution information for transmitting the personal asset management electronic document, and / or Or electronic document file format information, and / or the personal asset management application information).

If the personal asset management electronic document is stored in the electronic document repository (380), the server includes the customer information included in the personal asset management application information, asset management account opening application information and at least one personal asset management target account information. And the financial account information is generated based on the messenger account information (385).

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. A financial account under the customer's name containing the information is opened (390).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the personal asset management application information. It characterized in that the opening of a predetermined financial account for the integrated personal asset management of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is desirable to.

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

Thereafter, the server generates personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. To store in a predetermined storage medium (395).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and personal asset included in the received personal asset management application information. It is preferable to store personal asset management operation information including at least one of management account information, at least one or more personal asset management target account information, and messenger account information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in a DBMS provided on a financial system, the server includes at least the customer information and personal asset management account information included in the received personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server establishes predetermined financial account opening history information (eg, the personal asset management account opening history, and / or the history of storing the personal asset management electronic document in the electronic document repository, and / or the storage medium). The details of storing the personal asset management application information) are generated (or extracted) and transmitted to the terminal (399).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), wherein The storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is provided with (or linked to) an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the personal asset management account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

4A and 4B illustrate a process of opening a personal asset management account for integrated personal asset management of a customer in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the terminal device of the personal asset management account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial company server through a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal, a predetermined customer requests to open a customer information and asset management account in order to open a personal asset management account for integrated personal asset management of the customer. If a personal asset management application is prepared and submitted, the information includes at least one personal asset management target account information and at least one messenger account information, and the financial institution personally manages the personal asset management account in a face-to-face manner based on the personal asset management application. As a system configuration for opening and processing, specifically, the customer When the application is completed and submitted to the counter, the counter terminal acquires predetermined image contents corresponding to the personal asset management application through a predetermined image acquisition device, and personal asset management application information corresponding to the personal asset management application. After inputting (or selecting), the image content and the personal asset management application information are transmitted to the financial institution server, and the financial institution server requests the customer information and the asset management account opening application information and at least one personal asset management target account. A method for opening and processing the personal asset management account based on the personal asset management application information including at least one information and a messenger account information is shown.

Those of ordinary skill in the art to which the present invention pertains, various analogous implementation methods for registering the personal asset management application information from the teller terminal to the financial company server by referring to and / or modifying the drawings 4a and 4b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 4A and 4B.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the personal asset management application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

Further, in the method shown in FIGS. 4A and 4B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the personal asset management application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the personal asset management application information corresponding to the personal asset management application is described as being provided from the financial institution server, but the predetermined information registration program is provided in the counter terminal. The user interface may not be provided from the financial institution server, and thus the present invention is not limited thereto.

In the following Figures 4a and 4b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server shown in Figure 1 is referred to as "server" for convenience, and from the window terminal to the financial company server. The customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information to be transmitted are referred to as "personal asset management application information" for convenience.

4A and 4B, a predetermined customer includes at least one of customer information, an application for opening an asset management account, at least one personal asset management target account information, and a messenger account information for integrated personal asset management of the customer. When a personal asset management application is completed and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to integrate the customer corresponding to the personal asset management application. When requesting a user interface for personal asset management (400), in response, the server inputs (or selects) personal asset management application information corresponding to the personal asset management application prepared by the customer in the terminal, and predetermined image Through the acquisition device, the predetermined image content corresponding to the personal asset management application is acquired to obtain an image. Generating a user interface for transmitting to the server (or the extract) and 405, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 410. The

Thereafter, the terminal inputs (or selects) personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through the user interface. (415).

If the personal asset management application information including the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information is input (or selected) through the user interface (420); In operation 425, the terminal acquires image content corresponding to the personal asset management application through a predetermined image acquisition device based on the user interface.

If image content corresponding to the personal asset management application is obtained through the image acquisition device (430), the terminal transmits the personal asset management application information and image content to the server through the financial network (435). .

Thereafter, the server receives and reads through the financial network personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information. The validity of the personal asset management application information is checked (440).

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

If the validity of the personal asset management application information is not authenticated (445), the server generates predetermined financial account error information and transmits it to the terminal (450), and the individual corresponding to the personal asset management application information. Do not open an asset management account.

On the other hand, if the validity of the personal asset management application information is authenticated (445), the server generates a predetermined personal asset management electronic document containing the image content (455).

According to an embodiment of the present invention, the server processes the image file including the image content received from the terminal device through the image receiving unit as a personal asset management electronic document for integrated personal asset management of the customer as it is. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. It is preferable to generate a personal asset management electronic document for the integrated personal asset management of the customer of the image file corresponding to the image content including at least one or more information of the management target account information and the messenger account information by the watermarking method. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data) including the image content received from the terminal device through the image receiving unit. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to generate a personal asset management electronic document for the integrated personal asset management of the customer. It is preferable.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. Generates image content including at least one of management target account information and messenger account information by a watermarking method, and includes a predetermined document file (eg, 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 of HWP / DOC, or a web document file including MHT). It is desirable to create asset management electronic documents.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file including the image content received from the terminal device through the image receiving unit and personal asset management application information received through the information receiving unit ( For example, 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 create a personal asset management electronic document for the integrated personal asset management.

Alternatively, the server may include customer information, asset management account opening application information, and at least one or more personal assets included in the personal asset management application information received through the information receiving unit in the image content received from the terminal device through the image receiving unit. Generates image content including at least one of management target account information and messenger account information by a watermarking method, and includes a predetermined document file including the generated image content and the personal asset management application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a personal asset management electronic document for integrated personal asset management. The.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and corresponding to the personal asset management electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated personal asset management electronic document in a predetermined electronic document storage (460).

As shown in FIG. 1, when the electronic document repository is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the personal asset management account opening system through predetermined communication means. The server preferably transmits the generated personal asset management electronic document to the electronic document server through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the server may store the generated personal asset management electronic document on the DBMS provided in the personal asset management account opening 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 the method of the present invention, the storing of the personal asset management electronic document in the electronic document storage, as shown in Figure 1 by linking the generated personal asset management electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the personal asset management 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 personal asset management electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a personal asset management application corresponding to the image content, and / or financial institution information for transmitting the personal asset management electronic document, and / or Or electronic document file format information, and / or the personal asset management application information).

If the personal asset management electronic document is stored in the electronic document repository (465), the server includes the customer information included in the personal asset management application information, asset management account opening application information and at least one personal asset management target account information And the financial account information is generated based on the messenger account information (470).

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. A financial account under the customer's name containing the information is opened (step 475).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the personal asset management application information. It characterized in that the opening of a predetermined financial account for the integrated personal asset management of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. And store in a predetermined storage medium (480).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and personal asset included in the received personal asset management application information. It is preferable to store personal asset management operation information including at least one of management account information, at least one or more personal asset management target account information, and messenger account information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in a DBMS provided on a financial system, the server includes at least the customer information and personal asset management account information included in the received personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server establishes predetermined financial account opening history information (eg, the personal asset management account opening history, and / or the history of storing the personal asset management electronic document in the electronic document repository, and / or the storage medium). Personal asset management application information) stored (or extracted) is generated and transmitted to the terminal (485).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), wherein The storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

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

5 is a diagram illustrating a non-face-to-face personal asset management account opening system for integrated personal asset management of a customer according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates that a predetermined customer includes at least one of predetermined customer information, asset management account application information, at least one personal asset management target account information, and messenger account information through a predetermined financial account opening interface. If the personal asset management application information is provided to the financial institution, the financial institution opens a personal asset management account for the integrated personal asset management of the customer based on the personal asset management application information, and manages the personal asset management account. As a system configuration for storing personal asset management operation information to a predetermined storage medium 580, those skilled in the art to which the present invention pertains, refer to and / or modify the present figure 5 Implementation of the system of opening a personal asset management account for integrated personal asset management Would be able to derive a method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to omit the method of implementing the method of storing the personal asset management electronic document in the electronic document storage. It is possible to infer the establishment of an opening system, and even if the personal asset management electronic document is stored in the electronic document storage, the electronic document storage is located in the personal asset management account opening system in addition to the method shown in FIG. It will be possible to infer the implementation method provided in the DBMS, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, registering at least one personal asset management target account information and messenger account information in FIG. 5 may be performed through a predetermined information registration procedure separately from opening the personal asset management account, thereby limiting the present invention. Not.

Hereinafter, the client receives the personal asset management application information from the customer through a predetermined financial account opening interface on the personal asset management account opening system shown in FIG. 5, and allows the customer to open the personal asset management account. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined personal asset management electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the system for opening a personal asset management account for integrated personal asset management of the customer includes a client terminal including at least one wired terminal and / or a wireless terminal used by the customer. It characterized in that it comprises a terminal device 585 including at least one, The terminal device 585 is a financial company server 500 provided on the personal asset management account opening system through a predetermined network means and The communication channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 500 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the private asset management application information for the integrated personal asset management of the customer is input (or selected) through the at least one user interface provided by the financial institution server 500, the personal terminal through the predetermined network means at the client terminal. It is preferable to transmit to the financial institution server 500 provided on the management account opening system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 585 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, the wireless terminal connected to the wireless communication network includes all terminal devices 585 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 585 connected to an x-based portable Internet and / or all terminal devices 585 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 500 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 500 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 500, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 500, etc.) is provided.

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

In the personal asset management account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the financial company server 500. The communication network and / or the wireless communication network perform a function of a financial account opening interface for the customer to register personal asset management application information for the integrated personal asset management of the customer.

According to another exemplary embodiment of the present invention, the terminal device 585 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the personal asset management account opening system as described above, when the terminal device 585 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the A financial network connecting the financial institution server 500 performs a function of a financial account opening interface for registering the personal asset management application information for the customer to manage the integrated personal asset of the customer, and / or the terminal 585. ) Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 500 is the customer Performs a function of a financial account opening interface for registering personal asset management application information for integrated personal asset management of the personal asset management, and / or with the financial institution that is the terminal device 585. In case of a terminal (and / or server) (not shown) provided in an affiliated institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial company server ( The network connecting 500 performs a function of a financial account opening interface for the customer to register personal asset management application information for the integrated personal asset management of the customer.

The storage medium 580 provided on the personal asset management account opening system according to the present invention may include at least the customer information and personal asset management account information included in the personal asset management application information provided from the terminal 585. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). By registering as a trading customer, at least member ID information or CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system linked with the personal asset management account opening system, are corresponding to the customer. It is preferable to include one or more.

The personal asset management account information includes account information corresponding to the personal asset management account of the customer's name opened in the financial system based on the personal asset management account opening application information included in the personal asset management application information. desirable.

The personal asset management target account information includes at least one financial account information previously opened by the customer in the financial system, or at least one financial account information previously opened by the customer in at least one external financial system. It is preferable to include account information corresponding to at least one or more personal asset management target account to be integrated management through the asset management server 185.

After the messenger account information is opened (or personal asset management application), the messenger account information is provided through at least one messenger service (eg, text chat, voice chat, video chat, message exchange, File exchange, mailing, friend search, etc.).

According to one embodiment of the invention, the storage medium 580 is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), In this case, the storage medium 580 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 580 is provided on (or associated with) the personal asset management account opening system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 500 provided on the personal asset management account opening system according to the present invention is a generic term for the personal asset management account opening system side components connected to the terminal device 585 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 585 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 500 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 500 may be configured on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program provided in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a call terminal (not shown) capable of connecting to a telebanking server on a predetermined telebanking system, the financial institution server 500 may be connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien and / or a program provided in the external world on the financial system, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the terminal device 585 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 500 may use the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device 585 through the network means.

According to an embodiment of the present invention, when the terminal device 585 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 500, the interface unit 505 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a financial automation device connected to a predetermined financial network, the interface unit 505 may be configured to perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 uses a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 500, the interface unit 505 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 505 may be connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 505 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or providing a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 505 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 5, when the predetermined terminal device 585 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, the financial institution server 500 integrates the customer. The terminal device 585 generates (or extracts) at least one user interface for inputting (or selecting) predetermined personal asset management application information to the financial institution server 500 and managing the asset. An interface providing unit 510 for providing the generated (or extracted) user interface to the terminal device 585 in association with the unit 505, and the personal asset management through the user interface in the terminal device 585; When the application information is input (or selected) and transmitted, the personal information managing application information received from the terminal device 585 in connection with the interface unit 505 is received. Provided with a receiving unit (515) characterized by comprising.

The interface provider 510 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, and then integrates the customer with the financial institution server 500. When requesting a user interface for personal asset management, the terminal device 585 inputs (or selects) predetermined personal asset management application information and transmits it to the financial institution server 500 through the network means. A user interface is generated and / or extracted from a predetermined database (not shown), and the generated (or extracted) user interface is linked with the interface unit 505 to the terminal device 585 via the network means. It is characterized by providing.

According to an embodiment of the present invention, when the terminal device 585 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 510 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a financial automation device connected to a predetermined financial network, the interface providing unit 510 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 may be configured as the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS-based user interface) through the interface unit 505 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 585 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 510 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 505.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined personal asset management application information to the terminal device 585 and transmitting it to the financial institution server 500 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined personal asset management application information and transmitting the predetermined personal asset management application information to the financial institution server 500 as described above. The interface providing unit 510 provided to the device 585 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 585 includes personal asset management application information including at least one of the customer information, the asset management account opening application information, at least one personal asset management target account information, and the messenger account information through the user interface. And input (or select) and transmit the input (or select) personal asset management application information to the financial institution server 500 through the network means, and correspondingly, the information receiving unit 515 transmits the interface unit 505. And the personal asset management application information transmitted from the terminal device 585 in connection with

According to an embodiment of the present invention, the terminal device 585 may include at least one personal information managing application information including at least one of the customer information, the asset management account opening application information, at least one personal asset management target account information, and a messenger account information. The OTP code generated by the financial institution server 500 through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for checking the validity of the personal asset management application information. It is preferable to further include at least one or more to transmit to the financial institution server 500 through the network means.

According to an embodiment of the present invention, the terminal device 585 may include at least one personal information managing application information including at least one of the customer information, the asset management account opening application information, at least one personal asset management target account information, and a messenger account information. And / or encrypt at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or It is preferable to attach a predetermined electronic signature to the personal asset management application information and transmit it to the financial institution server 500 through the network means. For this purpose, the terminal device 585 includes at least one corresponding to the encryption scheme. Any authorized person having an encryption key and / or including at least one encryption key If a certificate is provided, and / or if the certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the certificate of authentication provided in the IC chip (or IC card). .

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the personal asset management application information, and technical characteristics of attaching a predetermined electronic signature to the personal asset management application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 5, when the financial institution server 500 receives the personal asset management application information transmitted from the terminal device 585 through the information receiver 515, the received personal asset management application information is displayed. Characterized in that it comprises a validity confirmation unit 525 to confirm whether the validity for the integrated personal asset management of the customer.

According to an embodiment of the present invention, the personal asset management application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 525 may include the at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received personal asset management application information.

Alternatively, when a predetermined electronic signature is attached to the personal asset management application information, the validity confirming unit 525 checks the electronic signature attached to the personal asset management application information, thereby receiving the received personal asset management application information. It is desirable to authenticate validity.

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

When the personal property management application information received through the information receiving unit 515 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the personal property management application information, the validity confirmation unit 525 compares and authenticates the password included in the personal asset management application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received personal asset management application information. Do.

Alternatively, when the personal asset management application information received through the information receiver 515 further includes predetermined security card information for confirming the validity of the personal asset management application information, the validity verification unit 525 Compares and authenticates the security card information included in the personal asset management application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received personal asset management application information. desirable.

Alternatively, when the personal property management application information received through the information receiving unit 515 further includes a predetermined OTP code for confirming the validity of the personal asset management application information, the validity confirming unit 525 may include: Comparing and authenticating the received OTP code included in the personal asset management application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received personal asset management application information. It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

Referring to FIG. 5, when the validity of the personal asset management application information is authenticated through the validity verification unit 525, the financial institution server 500 includes a predetermined personal asset including the received personal asset management application information. An electronic document generation unit 525 for generating a management electronic document, and an electronic document transmission unit 530 for transmitting the generated personal asset management electronic document to an electronic document repository associated with the personal asset management account opening system; It is characterized by that.

The electronic document generation unit 525 generates a personal asset management electronic document including the personal asset management application information received from the terminal device 585 through the information receiving unit 515.

According to an exemplary embodiment of the present invention, the electronic document generation unit 525 may include customer information included in the personal asset management application information received through the information receiving unit 515, application information for opening the asset management account, and at least one individual. Generating document content including at least one asset management target account information and messenger account information, and including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or the like) containing the document content, or Word processor file including at least one HWP / DOC or the like, or a web document file including the MHT, etc.) is preferably treated as a personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the electronic document generation unit 525 may include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger included in the personal asset management application information received through the information receiving unit 515. Generate document content including at least one account information, and include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the document content; After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or Word processor file containing at least one HWP / DOC, etc., or a web document containing the MHT Sun, etc.) is preferable to treatment as a private asset management for the integrated electronic document management personal property of the customer.

Alternatively, the electronic document generation unit 525 may include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger included in the personal asset management application information received through the information receiving unit 515. Generating an image content including at least one account information and capturing the image content including the image content (eg, the image content generated by capturing the document content on a memory) of the customer; It is desirable to treat it as a personal asset management electronic document for integrated personal asset management.

Alternatively, the electronic document generation unit 525 may include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger included in the personal asset management application information received through the information receiving unit 515. Create document content including at least one account information, and the image content (e.g., image content generated by capturing the document content in memory) to the personal asset management application information. After including the customer information, the application information for opening the asset management account, at least one or more of the personal asset management target account information and the messenger account information by a watermarking method, the image content including the watermarking is included. Personal asset for the integrated personal asset management of the customer containing an image file It is preferred to re-treatment with the electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 525 may include at least one or more customer information and asset management account opening application information included in the personal asset management application information received through the information receiving unit 515. Generate document content including at least one personal asset management target account information and messenger account information, and capture image content (eg, image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is desirable to process the personal asset management electronic document for the integrated personal asset management of the customer. .

Alternatively, the electronic document generation unit 525 may include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger included in the personal asset management application information received through the information receiving unit 515. Generate document content including at least one account information, and include in the personal asset management application information in the image content (e.g., image content generated by capturing the document content on a memory). Generating watermarking image information including at least one of customer information, an asset management account opening application information, at least one or more personal asset management target account information, and a messenger account information, wherein the watermarking includes File containing embedded image content (e.g. PDF (Portable Document Format) ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Personal asset management electronic documents are desirable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 525 includes at least one of customer information and asset management account opening application information included in the personal asset management application information received through the information receiving unit 515. Image content that includes at least one or more personal asset management target account information and messenger account information, and captures the document content (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one predetermined document file including the personal asset management application information, or By creating a web document file including the MHT) before the personal asset management for the integrated personal asset management of the customer It is preferred to process the document.

Alternatively, the electronic document generation unit 525 may include customer information, asset management account opening application information, at least one personal asset management target account information, and messenger included in the personal asset management application information received through the information receiving unit 515. Generate document content including at least one account information, and include in the personal asset management application information in the image content (e.g., image content generated by capturing the document content on a memory). Generating watermarking image information including at least one of customer information, an asset management account opening application information, at least one or more personal asset management target account information, and a messenger account information, wherein the watermarking includes A document wave containing the image contents and the personal asset management application information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the personal asset management electronic document for the integrated personal asset management of the customer.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 525 for generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and the individual. Since you will be familiar with the technical features of the file format for image files and / or document files corresponding to the asset management electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 530 transmits and stores the personal asset management electronic document generated by the electronic document generation unit 525 to a predetermined electronic document repository associated with the personal asset management account opening system. It is done.

As shown in FIG. 5, the electronic document repository is connected to a financial company server 500 on the personal asset management account opening system and a predetermined electronic document server 550 and an electronic document D / B ( 570, the electronic document transmission unit 530, the external electronic document server 550 via the communication means for the personal asset management electronic document generated by the electronic document generation unit 525 It is characterized in that for transmitting.

Here, when the electronic document server 550 and the electronic document D / B 570 is provided outside the personal asset management account opening system, the electronic document server 550 and the electronic document D / B (570) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the electronic document transmitting unit 530 is configured by the electronic document generating unit 525. The generated personal asset management electronic document can be stored in the electronic document D / B 570 corresponding to the electronic document storage on the DBMS provided in the personal asset management account opening system, whereby the present invention is not limited thereto. .

According to an embodiment of the present invention, the electronic document transmission unit 530 inputs electronic document related information (eg, the personal asset management application information) for generating predetermined electronic document management information in the electronic document server 550. (Optional) customer information transmitted, and / or financial institution information transmitting the personal asset management electronic document, and / or electronic document file format information, and / or the personal asset management application information, and the like. It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 5, the financial institution server 500 authenticates the validity of the personal asset management application information received through the information receiver 515 through the validity verification unit 525 for the integrated personal asset management of the customer. Information for generating the financial account information based on the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information included in the validity-certified personal asset management application information. It is characterized in that it comprises a generation unit 535, and an account opening unit 540 for opening and processing a financial account of the customer name including the financial account information.

When the validity of the personal asset management application information is confirmed by the validity confirmation unit 525, the information generation unit 535 may include at least one of customer information and asset management account opening application information included in the personal asset management application information. And generating the financial account information based on one or more personal asset management target account information and messenger account information.

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

The account opening unit 540 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating the predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the integrated personal of the customer in response to the personal asset management application information It is characterized by opening a predetermined financial account for asset management.

According to an embodiment of the present invention, when the financial company server 500 and the financial system exist in the same system, the account opening unit 540 connects the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 500 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 540 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 5, the financial institution server 500 authenticates the validity of the personal asset management application information received through the information receiver 515 through the validity verification unit 525 for the integrated personal asset management of the customer. The personal asset management information includes at least one of the customer information, the personal asset management account information, the at least one personal asset management target account information, and the messenger account information included in the personal property management application information which has been validated. And an information storage unit 545 for storing in the predetermined storage medium 580.

When the validity of the personal asset management application information is confirmed by the validity confirmation unit 525, the information storage unit 545 may include at least the customer information and personal asset management account information included in the personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is stored in the storage medium 580.

According to an exemplary embodiment of the present invention, when the storage medium 580 is provided in the financial institution server 500 or on the network associated with the financial institution server 500, the information storage unit 545 may be configured to include the storage medium 580. The storage medium 580 includes personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information, and a messenger account information included in the received personal asset management application information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 580 is provided in a DBMS provided on a financial system, the information storage unit 545 includes the customer information included in the received personal asset management application information. And personal asset management account information, at least one or more personal asset management target account information, and at least one personal account management information including messenger account information, by providing the information system through the external system on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 5, an electronic document which receives a predetermined personal asset management electronic document from the financial institution server 500 provided on the personal asset management account opening system and stores and manages it in a predetermined electronic document D / B 570. The document server 550 includes an electronic document receiving unit 555 for receiving a predetermined personal asset management electronic document from the financial institution server 500 through a predetermined communication means, and the received personal asset management electronic document. An information generation unit 560 for generating predetermined electronic document management information for storage and management in the D / B 570, and the electronic document D by linking the electronic document management information with the personal asset management electronic document. And an electronic document storage unit 565 to be stored in / B 570.

The electronic document receiving unit 555 may receive the personal asset management electronic document in the form of an image file and / or a document file from the financial institution server 500 through the communication means.

According to the exemplary embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 555 through the communication means is the personal asset management application received by the financial institution server 500 from the terminal device 585. A document file (eg, a Portable Document Format (PDF) file) containing document information including at least one of customer information included in the information, application information for opening an asset management account, at least one personal asset management target account information, and messenger account information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the personal document management electronic document received by the electronic document receiving unit 555 through the communication means may include customer information included in the personal asset management application information received by the financial institution server 500 from the terminal device 585. At least one of customer information and asset management account opening application information included in the personal asset management application information in document content including at least one asset management account opening application information, at least one or more personal asset management target account information, and messenger account information; A document file (eg, a Portable Document Format (PDF) file including document content including the watermarking after including at least one or more information of the personal asset management target account information and the messenger account information by a watermarking method). Or at least one EDI (Electronic Data Interchange) file, or HWP / DOC. It is preferred which comprises a de-processor file, or web page file, and so on) containing the MHT.

Alternatively, the personal document management electronic document received by the electronic document receiving unit 555 through the communication means may include customer information included in the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content that captures document content including at least one asset management application request information, at least one personal asset management target account information, and messenger account information (e.g., an image generated by capturing the document content on a memory) It is preferably made to include an image file containing the content).

Alternatively, the personal document management electronic document received by the electronic document receiving unit 555 through the communication means may include customer information included in the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content that captures document content including at least one asset management application request information, at least one personal asset management target account information, and messenger account information (e.g., an image generated by capturing the document content on a memory) Contents) includes customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information included in the personal asset management application information in a watermarking manner. And an image file including image content including the watermarking. And it is preferably made.

According to another exemplary embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 555 through the communication means is the personal asset management received by the financial institution server 500 from the terminal device 585. Image content (e.g., the document) that captures document content including at least one of customer information included in the application information, opening of an asset management account application information, at least one personal asset management target account information, and messenger account information. Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the personal document management electronic document received by the electronic document receiving unit 555 through the communication means may include customer information included in the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content that captures document content including at least one asset management application request information, at least one personal asset management target account information, and messenger account information (e.g., an image generated by capturing the document content on a memory) Contents) includes customer information included in the personal asset management application information, asset management account opening application information, and at least one or more information of at least one personal asset management target account information and messenger account information in a watermarking manner. Create image content, and the image content including the watermarking A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

According to another embodiment of the present invention, the personal asset management electronic document received by the electronic document receiving unit 555 through the communication means is the personal asset received by the financial institution server 500 from the terminal device 585. Image content (eg, the document) which captures document content including at least one of customer information included in the management application information, application information for opening an asset management account, at least one personal asset management target account information, and messenger account information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the contents of the image captured by capturing the content on a memory and the personal asset management application information. A word processor file including at least one or a web document file including an MHT). It is preferred.

Alternatively, the personal document management electronic document received by the electronic document receiving unit 555 through the communication means may include customer information included in the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content that captures document content including at least one asset management application request information, at least one personal asset management target account information, and messenger account information (e.g., an image generated by capturing the document content on a memory) Contents) includes customer information included in the personal asset management application information, asset management account opening application information, and at least one or more information of at least one personal asset management target account information and messenger account information in a watermarking manner. Generating image content, and comparing the image content with the watermarking with A document file including the personal asset management application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

The information generating unit 560 is a predetermined electronic document unique number (or unique information) to be assigned to the personal asset management 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 personal asset management electronic document is received (or a date and time at which the personal asset management electronic document is stored).

According to the exemplary embodiment of the present invention, the information generation unit 560 refers to the personal asset management electronics by referring to the financial institution server 500 that has transmitted the personal asset management electronic document received through the electronic document receiving unit 555. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 555 further receives a predetermined electronic document-related information from the financial institution server 500, the information generating unit 560 is the received electronics Document-related information (e.g., customer information transmitted by inputting (selecting) the personal asset management application information) and / or financial institution information transmitting the personal asset management electronic document, and / or electronic document file format information, and / Or the electronic document management information further comprising the personal asset management application information, etc.).

The electronic document storage unit 565 associates and processes the electronic document management information generated through the information generating unit 560 and the personal asset management electronic document received through the electronic document receiving unit 555. / B 570, characterized in that.

According to the exemplary embodiment of the present invention, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the financial institution server 500 from the terminal device 585. Document file (e.g., PDF) containing document information including at least one of customer information included in the received personal asset management application information, application information for opening an asset management account, and at least one personal asset management target account information and messenger account information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the personal asset management application information received by the financial institution server 500 from the terminal device 585. The customer information and asset management account included in the personal asset management application information in the document content that includes at least one of the customer information and asset management account application information contained in the at least one personal asset management target account information and messenger account information A document file (eg, PDF) containing document contents including the watermarking after including the application information, at least one or more of the personal asset management target account information and the messenger account information by a watermarking method. (Portable Document Format) files, EDI (Electronic Data Interchange) files, or at least one including HWP / DOC Word processor files, or web document files containing MHT).

Alternatively, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, asset management account opening application information, and at least one or more personal asset management target account information and messenger account information included therein. It is preferably made to include an image file (including image content generated by capturing on).

Alternatively, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, asset management account opening application information, and at least one or more personal asset management target account information and messenger account information included therein. Watermarking at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the image content captured and generated on the The image file including the image content including the watermarking after It is made by also being preferred.

According to another exemplary embodiment of the present invention, the financial institution server 500 stores the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565. Image content that captures document content including customer information included in the personal asset management application information received from the user, asset management account opening application information, and at least one or more personal asset management target account information and messenger account information. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). And at least one word processor file, or a web document file including MHT).

Alternatively, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, asset management account opening application information, and at least one or more personal asset management target account information and messenger account information included therein. Watermarking at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the image content captured and generated on the Image content including the watermarking method, and the image content including the watermarking A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

According to another exemplary embodiment of the present invention, the financial institution server 500 stores the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565. Image capturing document contents including customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing content (e.g., image content generated by capturing the document content on a memory) and the personal asset management application information. , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the personal asset management electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the personal asset management application information received by the financial institution server 500 from the terminal device 585. Image content (e.g., the document content is captured) that captures document content including at least one of customer information, asset management account opening application information, and at least one or more personal asset management target account information and messenger account information included therein. Watermarking at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the image content captured and generated on the Image content including the watermarking method, and the image content including the watermarking A document file including the personal asset management application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 570 by the electronic document storage unit 565 in association with the personal asset management electronic document is the personal asset management electronics. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 570 by the electronic document storage unit 565 in association with the personal asset management electronic document is the personal asset management. The financial institution server 500 that has transmitted the electronic document preferably further includes information on the financial institution that has transmitted the personal asset management electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 500, the electronic document storage unit 565 processes the electronic document by linking with the personal asset management electronic document. The electronic document management information stored in the document D / B 570 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the personal asset management application information, and / or the personal asset management). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the personal asset management application information).

6A and 6B illustrate a process of opening a personal asset management account for the integrated personal asset management of a customer in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 6A and 6B show a terminal device on the personal asset management account opening system shown in FIG. 5 as a client terminal, and the financial institution server has a web server function to which the client terminal can be connected through a predetermined network means. In one case, a predetermined customer establishes a personal asset management account for the integrated personal asset management of the customer through the client terminal, the customer information, the asset management account opening application information, and at least one personal asset management target account information; If the personal asset management application information including at least one messenger account information is provided, the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information are provided in the personal asset management account opening system. Individuals who include at least one An embodiment of the present invention relates to an implementation method of opening and processing the personal asset management account for integrated personal asset management of the customer based on the management application information. While referring to 6b and / or modified to infer various implementation methods for registering the personal asset management application information from the client terminal to the financial institution server, the present invention includes all the inferred implementation methods, and this figure. It is not limited to the implementation method shown in 6a and 6b.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the personal asset management application information and storing the electronic document in an electronic document repository, the process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

6A and 6B illustrate that the client terminal receives a user interface for inputting (or selecting) the personal asset management application information through a predetermined web page provided by the financial institution server. As described above, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server, and the present invention is not limited thereto.

Hereinafter, in FIGS. 6A and 6B, the client terminal shown in FIG. 5 is referred to as a “terminal” for convenience, and the financial institution server shown in FIG. 5 is referred to as a “server” for convenience, from the client terminal to the financial company server. The customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information to be transmitted are referred to as "personal asset management application information" for convenience.

6A and 6B, when the client terminal illustrated in FIG. 5 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, Connect to the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or IEEE 802.16x based portable Internet, and / or IEEE 802.11x based wireless LAN, etc. When requesting a web page including a user interface for the integrated personal asset management of (600), the server correspondingly the customer information and asset management account open application information, at least one personal asset management target account information and messenger account User interface for inputting (or selecting) personal asset management application information including at least one information and transmitting the same to the server Generating a web page containing the switch (or extract), and 605, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 610. The

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the personal asset management application information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs personal asset management application information including at least one customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through a user interface included in the web page. (Or select) 615.

If the terminal receives (or selects) personal asset management application information including the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through the user interface (620); In operation 625, the terminal transmits the input (or selected) customer information, asset management account opening request information, at least one personal asset management target account information, and messenger account information to the server through the communication channel.

According to an embodiment of the present invention, the terminal may include at least one personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the personal asset management application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal includes at least one or more personal asset management application information including at least one of the customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or the personal asset management. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption signatures. Have a predetermined public certificate containing an encryption key, and / or It is preferable that the group certificate comprises a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one or more personal asset management application information including at least one of the customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. When a certificate is provided in a predetermined IC chip (or IC card), the IC chip (or IC card) is preferably provided with a card reader for confirming the authentication certificate provided in.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the personal asset management application information, and technical characteristics of attaching a predetermined electronic signature to the personal asset management application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the asset management account opening application information, the at least one personal asset management target account information, and the messenger account information through the communication channel to confirm the validity of the personal asset management application information. (630).

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

Alternatively, when a predetermined electronic signature is attached to the personal asset management application information, the server verifies the validity of the received personal asset management application information by checking the electronic signature attached to the personal asset management application information. It is preferable.

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

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

Alternatively, when the personal asset management application information received through the information receiving unit further includes predetermined security card information for confirming the validity of the personal asset management application information, the server may include the personal asset management application information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received personal asset management application information.

Alternatively, when the personal asset management application information received through the information receiving unit further includes a predetermined OTP code for confirming the validity of the personal asset management application information, the server is included in the personal asset management application information. And verify the validity of the received personal asset management application information by comparing and authenticating the received OTP code with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. Do.

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

If the validity of the personal asset management application information is not authenticated (635), the server generates a web page including predetermined financial account error information and transmits it to the terminal (640), opening the personal asset management account. Do not perform the procedure.

On the other hand, if the validity of the personal asset management application information is authenticated (635), the server includes at least one customer information and asset management account opening application information and at least one personal asset management target account including the personal asset management application information Generate predetermined document content including information and messenger account information (645), and generate a predetermined personal asset management electronic document including the document content (650).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A word processor for generating document content including at least one document file, and including at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including an MHT), may be processed as a personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the document content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing the MHT, etc.) It is advisable to process personal property management electronic documents for financial purposes.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. And processing an image file including the captured image content (eg, the image content generated by capturing the document content on a memory) as a personal asset management electronic document for integrated personal asset management of the customer. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); After including at least one or more information of the personal asset management target account information and messenger account information by a watermarking method, an image file including the image content including the watermarking for the integrated personal asset management of the customer It is desirable to treat it as an electronic document All.

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, electronic data interchange (EDI) file, word processor file including at least one of HWP / DOC, or web document file including MHT). It is desirable to process personal property management electronic documents.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Create a document content including at least one or more information of the personal asset management target account information and messenger account information by a watermarking method, and includes a document file (for example, a PDF file containing the watermarking). Portable Document Format (EDI) files, or Electronic Data Interchange (EDI) files , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the personal asset management electronic document for integrated personal asset management of the customer. .

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A predetermined document including document content including at least one document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the personal asset management application information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Generating image content including at least one or more of the personal asset management target account information and the messenger account information by a watermarking method, the image content including the watermarking and the personal asset management application information; Document files (e.g., Portable Document Format (PDF) files, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to manage personal assets for the integrated personal asset management of the customer. It is preferable to process it as an electronic document.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and corresponding to the personal asset management electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated personal asset management electronic document in a predetermined electronic document storage (655).

As shown in FIG. 5, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the personal asset management account opening system through predetermined communication means. The server preferably transmits the generated personal asset management electronic document to the electronic document server through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the server may store the generated personal asset management electronic document on the DBMS provided in the personal asset management account opening 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 personal asset management electronic document in the electronic document storage is performed by linking the generated personal asset management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 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 personal asset management 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 personal asset management electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the personal asset management application information and / or financial institution information transmitting the personal asset management electronic document). , And / or the electronic document file format information, and / or the personal asset management application information, etc.).

If the personal asset management electronic document is stored in the electronic document repository (660), the server includes the customer information included in the personal asset management application information, asset management account opening application information and at least one personal asset management target account information And the financial account information is generated based on the messenger account information (665).

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. A financial account under the customer's name containing the information is opened (670).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the personal asset management application information. It characterized in that the opening of a predetermined financial account for the integrated personal asset management of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server may include personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information. Create and store in a predetermined storage medium (675)

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and personal asset included in the received personal asset management application information. It is preferable to store personal asset management operation information including at least one of management account information, at least one or more personal asset management target account information, and messenger account information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in a DBMS provided on a financial system, the server includes at least the customer information and personal asset management account information included in the received personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server establishes predetermined financial account opening history information (eg, the personal asset management account opening history, and / or the history of storing the personal asset management electronic document in the electronic document repository, and / or the storage medium). The details of storing the personal asset management application information) are generated (or extracted) and transmitted to the terminal (680).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), wherein The storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is provided with (or linked to) an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the personal asset management account opening system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A, 7B, and 7C are diagrams illustrating a process of opening a personal asset management account for integrated personal asset management of a customer according to one embodiment of the present invention.

In more detail, FIGS. 7A, 7B, and 7C illustrate a case in which the personal asset management account opening system shown in FIG. 5 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the individual shown in FIG. 5). In the case where the financial institution server on the asset management account opening system is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits predetermined personal asset management application information to the internet banking server to open a personal asset management account for the integrated personal asset management of the customer, the customer information and asset in the internet banking server. Management account application information, at least one personal asset management account information and messenger account definition Person who has ordinary knowledge in the technical field to which the present invention relates to an implementation method of opening and processing the personal asset management account for the integrated personal asset management of the customer based on the personal asset management application information including at least one or more. However, various implementation methods of registering the personal asset management application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 7a, 7b, and 7c may be inferred. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A, 7B, and 7C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 7A, 7B, and 7C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering personal asset management application information between the client terminal and the internet banking server based on the browser program is illustrated, it is possible to apply general knowledge in the technical field to which the present invention belongs. If it is a pendulum, it is based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 7A, 7B, and 7C. Client terminal and internet banking stand Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of personal asset management application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 7a, 7b and 7c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transactions channels for registration of personal asset management application information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 7A, 7B and 7C.

In addition, although the embodiment shown in FIGS. 7A, 7B, and 7C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

7A, 7B, and 7C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server is referred to as " server " for convenience.

7A, 7B, and 7C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (700a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal 705a, wherein the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal. 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 (and May allocate a communication channel for transmitting and receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 720a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (725a), or if the terminal does not need to mount and / or update the Internet banking security module (715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm. Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and the terminal may provide the server to the server for personal asset management application information registration. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of personal asset management application information. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Requesting 740a, the server (and / or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (745a).

If the Internet banking customer authentication fails (750a), the server blocks the Internet banking security channel for the terminal (755a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (750a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (760a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined personal asset management application information for integrated personal asset management of a customer from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for managing the integrated personal asset of the customer through the Internet banking-based financial transaction channel (700b), the server correspondingly the customer information and assets A web page including a user interface for inputting (or selecting) personal asset management application information including at least one management account opening application information, at least one personal asset management target account information, and at least one messenger account information to be transmitted to the server. And generate (or extract) 705b, and transmit and output a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (710b).

According to an embodiment of the present invention, the webpage includes personal asset management application information including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information in the terminal. It may preferably comprise a user interface for inputting (or selecting) and / or predetermined password and / or security card information (or to verify validity for an Internet banking customer requesting to register the personal property management application information). For example, the security card information printed on the security card issued to the customer during the internet banking application process and / or one time password (OTP) (for example, after the internet banking application process (or after the internet banking application) is provided to the customer by the financial institution. Enter the one-time password generated by the OTP authenticator (or OTP authenticator) It is preferable to further include a user interface.

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

Thereafter, the terminal inputs the personal asset management application information including the customer information, the asset management account opening application information, at least one personal asset management target account information, and the messenger account information through the financial account opening interface (or (715b).

If the terminal receives (or selects) personal asset management application information including the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information through the user interface (720b); In step 725b, the terminal transmits the input (or selection) of the personal asset management application information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal may include at least one personal asset management application information including at least one of the customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the personal asset management application information. It is preferred to transmit to the server via means.

According to an embodiment of the present invention, the terminal includes at least one or more personal asset management application information including at least one of the customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information. Encrypt using an encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or the personal asset management. Preferably, a predetermined electronic signature is attached to the application information and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption signatures. Have a predetermined public certificate containing an encryption key, and / or It is preferable that the group certificate comprises a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one or more personal asset management application information including at least one of the customer information, asset management account opening application information, at least one or more personal asset management target account information, and messenger account information. Encryption by encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to the server via the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certification. If a certificate is provided in a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the personal asset management application information, and technical characteristics of attaching a predetermined electronic signature to the personal asset management application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the personal asset management application information through the financial transaction channel to check the validity of the personal asset management application information (730b).

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

Alternatively, when a predetermined electronic signature is attached to the personal asset management application information, the server verifies the validity of the received personal asset management application information by checking the electronic signature attached to the personal asset management application information. It is preferable.

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

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

Alternatively, when the personal asset management application information received through the information receiving unit further includes predetermined security card information for confirming the validity of the personal asset management application information, the server may include the personal asset management application information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received personal asset management application information.

Alternatively, when the personal asset management application information received through the information receiving unit further includes a predetermined OTP code for confirming the validity of the personal asset management application information, the server is included in the personal asset management application information. And verify the validity of the received personal asset management application information by comparing and authenticating the received OTP code with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. Do.

According to an embodiment of the present invention, the validation of the personal asset management application information is at least one ledger matched with the personal asset management application information in the ledger D / B on the financial system associated with the personal asset management account opening system It is preferable to include checking whether the information is registered.

For example, the verification of the validity of the personal asset management application information may include financial information in which the customer information (customer personal information, member information, etc.) is linked to the personal asset management account opening system among information included in the personal asset management application information. It is preferable to include checking whether the data matches the customer ledger stored in the ledger D / B on the system.

In addition, the validation of the personal asset management application information is

It is preferable to include at least one.

If the validity of the personal asset management application information is not authenticated (735b), the server generates a web page including the predetermined financial account error information and transmits it to the terminal (740b), opening the personal asset management account Do not perform the procedure.

On the other hand, if the validity of the personal asset management application information is authenticated (735b), the server includes at least one customer information and asset management account opening application information and at least one personal asset management target account including the personal asset management application information; Generate predetermined document content including information and messenger account information (745b), and generate a predetermined personal asset management electronic document including the document content (750c).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including MHT) may be treated as a personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the personal asset management application information in the document content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing the MHT, etc.) It is advisable to process personal property management electronic documents for financial purposes.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. And processing an image file including the captured image content (eg, the image content generated by capturing the document content on a memory) as a personal asset management electronic document for integrated personal asset management of the customer. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); After including at least one or more information of the personal asset management target account information and messenger account information by a watermarking method, an image file including the image content including the watermarking for the integrated personal asset management of the customer It is desirable to treat it as an electronic document All.

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A predetermined document file (eg, PDF (Portable) is generated that includes the document content including the image content and the image content (eg, the image content generated by capturing the document content on a memory). Generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to process personal property management electronic documents for

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Create a document content including at least one or more information of the personal asset management target account information and messenger account information by a watermarking method, and includes a document file (for example, a PDF file containing the watermarking). Portable Document Format (EDI) files, or Electronic Data Interchange (EDI) files , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the personal asset management electronic document for integrated personal asset management of the customer. .

According to another exemplary embodiment of the present invention, the server may include at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. A predetermined document including document content including at least one document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the personal asset management application information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the personal asset management electronic document for the integrated personal asset management of the customer.

Alternatively, the server generates document content including at least one of customer information, asset management account opening application information, at least one personal asset management target account information, and messenger account information included in the received personal asset management application information. At least one of customer information and asset management account opening application information included in the personal asset management application information in the image content captured by the document content (for example, image content generated by capturing the document content on a memory); Generating image content including at least one or more of the personal asset management target account information and the messenger account information by a watermarking method, the image content including the watermarking and the personal asset management application information; Document files (e.g., Portable Document Format (PDF) files, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to manage personal assets for the integrated personal asset management of the customer. It is preferable to process it as an electronic document.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a personal asset management electronic document in an image file format and / or a predetermined document file format, and corresponding to the personal asset management electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated personal asset management electronic document in a predetermined electronic document storage (755c).

As shown in FIG. 5, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the personal asset management account opening system through predetermined communication means. The server preferably transmits the generated personal asset management electronic document to the electronic document server through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on a DBMS provided in the personal asset management account opening system, the server may store the generated personal asset management electronic document on the DBMS provided in the personal asset management account opening 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 personal asset management electronic document in the electronic document storage is performed by linking the generated personal asset management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 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 personal asset management 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 personal asset management electronic document.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the personal asset management application information, and / or financial institution information transmitting the personal asset management electronic document, And / or the electronic document file format information, and / or the personal asset management application information, etc.).

If the personal asset management electronic document is stored in the electronic document repository (760c), the server includes customer information included in the personal asset management application information, asset management account application information and at least one personal asset management target account information. And the financial account information is generated based on the messenger account information (765c).

The financial account information may include an account number and an interest rate information corresponding to the personal asset management account opened based on the personal asset management application information, wherein the personal asset management account includes a savings attribute. In this case, it is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information, asset management account opening application information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. A financial account under the customer's name containing the information is opened (770c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the personal asset management application information. It characterized in that the opening of a predetermined financial account for the integrated personal asset management of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates personal asset management operation information including at least one of the customer information, personal asset management account information, at least one personal asset management target account information and messenger account information included in the personal asset management application information. To store in a predetermined storage medium (775c).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server includes the customer information and personal asset included in the received personal asset management application information. It is preferable to store personal asset management operation information including at least one of management account information, at least one or more personal asset management target account information, and messenger account information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in a DBMS provided on a financial system, the server includes at least the customer information and personal asset management account information included in the received personal asset management application information. Personal asset management operation information including at least one or more personal asset management target account information and messenger account information is preferably provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server establishes predetermined financial account opening history information (eg, the personal asset management account opening history, and / or the history of storing the personal asset management electronic document in the electronic document repository, and / or the storage medium). Personal asset management application information stored details) is generated (or extracted) and transmitted to the terminal (780c).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the personal asset management account opening system (or associated with the personal asset management account opening system), wherein The storage medium may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is provided with (or linked to) an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the personal asset management account opening system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a configuration of an integrated messenger banking system for a personal asset management customer according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 shows a predetermined personal asset management account through the personal asset management account opening system shown in FIG. 1 or FIG. The messenger protocol conversion function provided in the personal asset management server 185 of the customer connects a heterogeneous messenger with a predetermined messenger communication channel, and a predetermined amount of money is based on the beneficiary account information provided from the heterogeneous messenger. As an integrated messenger banking system that processes bank transfers, the person of ordinary skill in the art may refer to and / or modify the personal financial management system (PFMS) by referring to FIG. Various implementation methods for the integrated messenger banking system configuration for the customer may be inferred, but the present invention Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, an integrated messenger banking system for a personal asset management customer includes a customer terminal having a personal asset management program shown in FIG. 9, and a predetermined communication network with the customer terminal. A personal account management server 185 connected to the bank, the financial system in which the personal asset management account is opened, and the financial account under the name of the customer managed by the personal asset management program and the personal asset management server 185 in connection with at least opened. Characterized in that it comprises at least one external financial system, the personal asset management server 185 is characterized in that it is connected to an external messenger system that operates heterogeneous messenger through a protocol conversion function between the predetermined messenger.

Here, the external messenger system preferably includes a messenger terminal having at least one messenger program, and a predetermined messenger server for providing a messenger service between the messenger terminals. You may.

The messenger terminal accesses the messenger server through a network means including a transmission control protocol / Internet protocol (TCP / IP) based wired communication network, and at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one desktop computer and / or notebook computer having a messenger program for exchanging files, sending mail, searching friends, etc.).

Alternatively, the messenger terminal connects to the messenger server through a network means including a code division multiple access (CDMA) based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file). Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular terminals with messenger programs providing exchange, mailing, friend searching, etc. PDC) and / or PHS (Personal Handyphone System) terminal and / or Personal Digital Assistant (PDA) and / or smart phone.

In addition, the messenger terminal accesses the messenger server through a network means including an IEEE 802.16x based wireless communication network, and transmits at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail transmission). And at least one portable Internet terminal having a messenger program for providing a friend search.

In addition, the messenger terminal connects to the messenger server through a network means including an IEEE 802.11x-based wireless communication network and transmits at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail transmission). , At least one wireless LAN terminal having a messenger program for providing a friend search, etc.).

In addition, the messenger terminal is connected to the messenger server through a network means including a Motorola DataTAC scheme, or Erricson's Mobitex scheme based wireless communication network at least one messenger service (eg, text chat, voice chat, video chat, note) And at least one wireless data communication terminal having a messenger program for exchanging, exchanging files, sending mail, searching a friend, and the like.

The messenger server is a predetermined member for membership authentication for providing at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal. And a function of authenticating the messenger customer based on the messenger account information received from the messenger terminal executing (or driving) the messenger program in association with the information D / B and the member information D / B. It is done.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer on the messenger server, and predetermined information on the messenger customer. Member's personal information (eg, customer name, social security number, address, contact information, etc.) is preferably made to include at least one.

According to an embodiment of the present invention, when messenger account information including messenger ID information and messenger password is received from a messenger terminal that executes (or runs) the messenger program, the messenger server may be configured to provide the messenger account information and the member information D. FIG. By comparing the messenger account information provided in the / B, the messenger customer corresponding to the messenger account information can be used for at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search). Etc., it is desirable to authenticate whether or not it is a valid messenger customer.

According to an embodiment of the present invention, a messenger member authentication process in which the messenger server compares the messenger account information received from the messenger terminal with the messenger account information included in the member information D / B is performed by the messenger terminal. This is preferably performed when the program is first executed (or driven) to log in to the messenger server, and when the messenger terminal requests at least one non-face-to-face messenger banking request through the messenger program, the messenger banking request is responded to. It is preferable to carry out repeatedly.

In addition, when the messenger member authentication is successful, the messenger server may send a text chat, voice chat, image chat, message exchange, file exchange, mail transmission, and the like through a messenger program provided in at least one messenger terminal. And a function of operating a friend search or the like to provide at least one messenger service.

Those skilled in the art to which the present invention pertains, the text message chat, voice chat, image chat, message exchange, file exchange, mail sending, friend through the messenger program provided in the at least one messenger terminal Since the technical features of operating at least one search or the like to provide a messenger service will be understood, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the personal asset management server 185 communicates with the messenger server provided on the external messenger system through a predetermined communication network, or at least one messenger provided on the external messenger system. Characterized in that it comprises an external messenger interface to communicate with the terminal.

The external messenger interface unit may be configured to communicate with the messenger server according to a communication protocol between a messenger server on the external messenger system and a messenger terminal provided in the messenger system (eg, a messenger terminal having a messenger associated with the messenger server). It is characterized by.

The external messenger interface unit may be communicatively connected to at least one messenger terminal provided on the external messenger system according to a messenger terminal end communication protocol on the external messenger system.

Referring to FIG. 8, the personal asset management server 185 communicates with the personal asset management program provided in the customer terminal through a predetermined communication network according to a predetermined messenger protocol (hereinafter referred to as a "PFMS messenger protocol"). Characterized in that it comprises a PFMS messenger interface to connect.

The PFMS messenger interface unit is characterized in that the communication connection with the customer terminal according to the PFMS messenger protocol corresponding to the messenger function provided in the personal asset management program provided in the customer terminal, wherein the personal asset management program The PFMS messenger protocol corresponding to the messenger function preferably includes a messenger communication protocol provided in the personal asset management program.

Referring to FIG. 8, the personal asset management server 185 includes a PFMS messenger protocol corresponding to a messenger function included in the personal asset management program provided in the customer terminal, and a messenger protocol provided on the external messenger system. A messenger protocol converting section for providing a protocol converting function between " external messenger protocol "

The messenger protocol converter may convert a text chat protocol on the PFMS messenger protocol into a text chat protocol on the external messenger protocol, or convert a text chat protocol on the external messenger protocol into a text chat protocol on the PFMS messenger protocol. .

Alternatively, the messenger protocol converter may convert a voice chat protocol on the PFMS messenger protocol into a voice chat protocol on the external messenger protocol, or convert a voice chat protocol on the external messenger protocol into a voice chat protocol on the PFMS messenger protocol. It is done.

Alternatively, the messenger protocol converter may convert the image chat protocol on the PFMS messenger protocol to the image chat protocol on the external messenger protocol, or convert the image chat protocol on the external messenger protocol to the image chat protocol on the PFMS messenger protocol. It is done.

Alternatively, the messenger protocol converter may convert a message exchange protocol on the PFMS messenger protocol into a message exchange protocol on the external messenger protocol, or convert a message exchange protocol on the external messenger protocol into a message exchange protocol on the PFMS messenger protocol. It is done.

Alternatively, the messenger protocol converter may convert a file exchange protocol on the PFMS messenger protocol into a file exchange protocol on the external messenger protocol, or convert a file exchange protocol on the external messenger protocol into a file exchange protocol on the PFMS messenger protocol. It is done.

Alternatively, the messenger protocol conversion unit converts a mail sending protocol on the PFMS messenger protocol to a mail sending protocol on the external messenger protocol, or converts a mail sending protocol on the external messenger protocol to a mail sending protocol on the PFMS messenger protocol. It is done.

Alternatively, the messenger protocol converter may convert a friend search protocol on the PFMS messenger protocol to a friend search protocol on the external messenger protocol, or convert a friend search protocol on the external messenger protocol to a friend search protocol on the PFMS messenger protocol. It is done.

Referring to FIG. 8, the personal asset management server 185 is connected to the personal asset management program provided in the customer terminal. The individual opened through the personal asset management account opening system shown in FIG. Manage and manage at least one personal asset management target account in connection with a storage medium for operating the asset management account and storing personal asset management operation information registered through the personal asset management account opening system shown in FIG. Characterized in that it comprises a personal asset management operation unit to operate.

According to an embodiment of the present invention, the personal asset management operation information stored in the storage medium comprises the customer information, personal asset management account information, at least one or more personal asset management target account information and messenger account information. It is preferable.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the personal asset management account opening system in response to the customer. It is preferable to comprise.

The personal asset management account information includes account information corresponding to the personal asset management account of the customer's name opened in the financial system based on the personal asset management account opening application information included in the personal asset management application information. desirable.

The personal asset management target account information includes at least one financial account information previously opened by the customer in the financial system, or at least one financial account information previously opened by the customer in at least one external financial system. It is preferable to include account information corresponding to at least one or more personal asset management target account to be integrated management through the asset management server 185.

After the messenger account information is opened (or personal asset management application), the messenger account information is provided through at least one messenger service (eg, text chat, voice chat, video chat, message exchange, File exchange, mailing, friend search, etc.).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the personal asset management unit, detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the personal asset management server 185 is connected to the PFMS messenger interface unit and withdraws account information, withdrawal bank information, and transactions through a messenger function included in the personal asset management program provided in the client terminal. The information receiving unit for receiving the bank transfer request information including at least one or more authentication information, deposit account information, deposit bank information, transfer amount information, withdrawal account information and withdrawal bank information included in the transfer information is the personal asset management An account checker for checking whether the account is managed by the server 185, an authentication processor for checking the validity of the account transfer in association with the financial system in which the withdrawal account is opened, and if the account transfer validity is confirmed, withdrawal of the withdrawal; Withdraw the transfer amount from the withdrawal account and deposit it into the deposit account in connection with the financial system in which the account is opened. After the bank transfer processing unit and the bank transfer transaction is processed, the account transfer history is transmitted to the messenger provided in the personal asset management program in association with the PFMS interface unit, and the account is linked with the external messenger interface unit. Characterized in that it comprises an information transmission unit for transmitting the transfer history to the heterogeneous messenger.

The information receiver is activated by the messenger banking function of the messenger function provided in the personal asset management program provided in the customer terminal, withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit through the messenger banking function When the account transfer request information including at least one bank information and the transfer amount information is transmitted, the information receiver may receive the account transfer request information in association with the PFMS messenger interface unit.

When the bank transfer request information is received with the encryption / digital signature attached to the personal asset management program, the information receiver preferably further performs a decryption / digital signature verification function on the bank transfer request information.

The account verification unit checks the withdrawal account information and withdrawal bank information included in the bank transfer request information, and withdraws corresponding to the withdrawal account information and withdrawal bank information in association with the storage medium shown in FIG. It is characterized by checking whether the account is included in the personal asset management target account information managed by the personal asset management server 185.

If the withdrawal account is not included in the personal asset management target account information managed by the personal asset management server 185 based on the withdrawal account information and the withdrawal bank, the account transfer transaction may be cancelled.

On the other hand, if the withdrawal account is included in the personal asset management target account information managed by the personal asset management server 185 based on the withdrawal account information and the withdrawal bank, the account transfer transaction is preferably treated as valid.

The authentication processing unit checks the financial system in which the withdrawal account is opened based on the withdrawal account information and the withdrawal bank information included in the bank transfer request information, and connects the transaction authentication information with the financial system in which the withdrawal account is opened. By authenticating, the validity of the wire transfer transaction is characterized.

According to an exemplary embodiment of the present invention, if the withdrawal account is the personal asset management account shown in FIG. 1 or 5, the authentication processing unit authenticates the transaction authentication information in association with the financial system to perform the account transfer transaction. It is desirable to authenticate validity.

According to another embodiment of the present invention, if the withdrawal account is a customer account provided in the external financial system managed by the personal asset management server 185 in addition to the personal asset management account shown in FIG. 1 or 5, the authentication processing unit By providing the withdrawal account information, withdrawal bank information and transaction authentication information to the corresponding external financial system through a financial common network (or telecommunications network), it is preferable to authenticate the validity of the wire transfer transaction through the external financial system. .

When the validity of the account transfer transaction is authenticated by the authentication processing unit, the account transfer processing unit withdraws the transfer amount from the withdrawal account and deposits it into the deposit account in connection with the financial system in which the withdrawal account is opened. Characterized in processing the transaction.

According to an embodiment of the present invention, if the withdrawal account is the personal asset management account shown in FIG. 1 or 5, the authentication processing unit withdraws the transfer amount from the withdrawal account in association with the financial system to the deposit account. It is advisable to process a bank transfer transaction for depositing money.

According to another embodiment of the present invention, if the withdrawal account is a customer account provided in the external financial system managed by the personal asset management server 185 in addition to the personal asset management account shown in FIG. 1 or 5, the authentication processing unit The bank provides the information on the transfer request including at least one of withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information to the corresponding external financial system through the financial common network (or telecommunication network). By doing so, it is preferable to process an account transfer transaction for withdrawing the transfer amount from the withdrawal account through the external financial system and depositing the transfer amount into the deposit account.

After the bank transfer transaction is processed, the information transmitter is configured to transmit the account transfer history to a messenger provided in the personal asset management program in association with the PFMS interface unit.

In addition, the information transmission unit in conjunction with the external messenger interface unit heterogeneous messenger terminal corresponding to the deposit account information (or messenger corresponding to the messenger type information and messenger account information provided through the integrated messenger function of the personal asset management program) Confirming that the terminal is connected to the external messenger system, and when it is confirmed that the heterogeneous messenger terminal is connected to the external messenger system, the account transfer history is transmitted to the heterogeneous messenger terminal in association with an external messenger interface unit. It is characterized by.

If the check result does not confirm that the heterogeneous messenger terminal is connected to the external messenger system, the information transmission unit reads the account transfer history through a message exchange protocol corresponding to an external messenger interface unit or a mail sending protocol. Characterized in that the transmission to the heterogeneous messenger terminal.

FIG. X is a diagram showing the configuration of a personal asset management program function recorded on a recording medium provided to the customer terminal for integrated asset management of a customer according to an embodiment of the present invention.

In more detail, Figure x is for the configuration of the preferred function of the personal asset management program provided to the customer terminal for the integrated asset management of a given customer, if the person of ordinary skill in the art By referring to and / or modifying the drawing x, it is possible to infer various implementation methods of the personal asset management program function configuration for the integrated asset management of the customer, but the present invention includes all the inferred implementation methods, and It is not limited to the implementation method shown by.

Referring to FIG. X, the personal asset management program controls the personal asset management program to operate based on a recording medium provided in the customer terminal in connection with an operating system (or platform) provided in the customer terminal. Interworking at least one or more functional components constituting the personal asset management program for integrated asset management of the personal asset management system, and / or the functional components are provided on the client terminal through an operating system (or platform) provided in the client terminal. It is characterized in that the mainframe unit (Mainfrmae) is provided to perform a function for the integrated asset management of the customer in conjunction with at least one component.

The main frame unit is characterized in that the personal asset management program comprises a program execution code for executing on the operating system (or platform) provided in the customer terminal, thereby being provided in the customer terminal, after a predetermined program The personal asset management program is executed to operate based on the operating system (or platform) provided in the customer terminal in response to an execution command.

In addition, the mainframe unit is characterized in that the control to interoperate at least one or more functional components provided in the personal asset management program for the integrated asset management of the customer, thereby the individual for the integrated asset management of the customer At least one functional component constituting the asset management program assigns an instance to the mainframe portion so that the functional components are cross-referenced and / or interworked.

The mainframe unit may further include a handle for accessing at least one component (eg, a key input unit and / or a screen output unit, etc.) provided in the client terminal for the integrated asset management of the customer. Handles (and / or interrupts), whereby each functional component constituting the personal asset management program accesses each component provided in the customer terminal. It is characterized by performing a unique function defined in.

In addition, the mainframe unit interrupts the functional components to access at least one or more components (eg, key input means and / or screen output means, etc.) provided in the customer terminal for integrated asset management of the customer. And / or to access an input / output bus corresponding to a peripheral device provided in the customer terminal, whereby each functional component constituting the personal asset management program is provided in the customer terminal. Each component is accessed to perform a unique function defined in each functional component.

According to the present invention, the personal asset management program is an information input unit for receiving a variety of input information for the integrated asset management of the customer from at least one or more key input means provided in the customer terminal, and at least one provided in the customer terminal The above information output unit for outputting a variety of output information for the integrated asset management of the customer on a predefined interface screen, and personal assets on the network connected to the customer terminal via the communication means provided in the customer terminal And a communication processing unit for connecting a management server 185 and a communication channel for personal asset management, wherein the key input unit includes at least one input device and a key input driver provided at the customer terminal. Preferably, the screen output means is Preferably it comprises the at least one output device and the display output drivers provided at the customer terminal, and the communication means is formed including at least one or more network devices and the network driver provided in the customer terminal.

The information input unit is connected to the mainframe unit to access at least one or more key input means provided in the customer terminal for the integrated asset management of the customer, and is input for the integrated asset management of the customer from the key input means Various input information is characterized in that the processing to be input to the personal asset management program.

The information output unit interlocks with the mainframe unit to access at least one or more screen output means provided in the client terminal for integrated asset management of the customer, and at least one of the personal asset management program through the mainframe unit. And outputting at least one output information requested to be output to the screen output means from the above function configuration unit.

The information output unit may access at least one or more screen output means provided in the customer terminal in cooperation with the main frame unit, and may use the screen output means to provide various input information in conjunction with key input means provided in the customer terminal. And outputting an interface screen including at least one user interface for receiving an input.

The user interface may include at least one Edit control and / or ComboBox control and / or ListBox control and / or Button control. It is desirable to include at least one other user interface (eg, an Image control and / or a Custom control).

When the communication network to which the customer terminal is connected includes a TCP / IP based wired communication network, the communication processing unit communicates for transmitting and receiving at least one personal asset management operation information with the personal asset management server 185 through the wired communication network. It is characterized by connecting the channel.

Alternatively, when the communication network to which the customer terminal is connected includes any one of a CDMA / WCDMA based wireless communication network, an HSDPA based wireless communication network, and an IEEE 802.16x based wireless communication network, the communication processor may be configured to connect the personal asset management server through the wireless communication network. 185 and the communication channel for transmitting and receiving at least one personal asset management operation information.

According to the present invention, the personal asset management program transmits and receives at least one personal asset management operation information with the personal asset management server 185 in association with the communication processing unit through the mainframe unit, and at least in connection with the information input unit. And a personal asset management unit configured to input one or more personal asset management input information and output at least one personal asset management output information in association with the information output unit.

Those skilled in the art to which the present invention pertains, according to the characteristics of each individual asset management program, the individual asset management unit provides the various individuals in connection with the communication processing unit, information input unit, information output unit through the main frame unit Since you will be familiar with the detailed technical features of the asset management function (eg, account integration management function, account book function, simulation function, financial calculator function, financial product recommendation function, etc.), the detailed description thereof will be omitted for convenience.

According to the present invention, the personal asset management program establishes a messenger communication channel according to a messenger processor and a predetermined messenger protocol on a personal asset management program provided to another customer terminal through a communication means provided to the customer terminal through the mainframe unit. At least one message (or at least one message corresponding to the messenger operation information through the messenger communication channel), outputting a predetermined messenger screen in association with the information output unit, inputting messenger operation information in association with the information input unit, and And a messenger processing unit for providing at least one messenger service for transmitting and receiving data. The messenger processing unit may include the personal asset management server 185 in addition to the messenger processing unit on a personal asset management program provided in another customer terminal. ) And a given messenger The messenger communication channel is connected according to a protocol.

The messenger processing unit provides at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) between client terminals equipped with the personal asset management program. It is done.

In the technical field to which the present invention pertains, technical features of the messenger processor connecting a messenger communication channel according to a predetermined messenger protocol with a messenger processor on a personal asset management program provided to another customer terminal; Since the messenger processor will be familiar with the technical features of providing various messenger services (eg, the same type of messenger chat, sending and receiving messages, sending and receiving files, etc.), a detailed description thereof will be omitted for convenience.

According to the present invention, after the at least one messenger service is provided through the messenger processing unit, the personal asset management program inputs heterogeneous messenger type information and messenger account information in association with the information output unit through the mainframe unit. Outputting a user interface, inputting heterogeneous messenger type information and messenger connection target messenger account information through the user interface in association with the information input unit, and integrating the messenger type information and messenger account information in association with the messenger processing unit; Characterized in that it comprises an integrated messenger for transmitting to the personal asset management server 185, provided in the external messenger system corresponding to the messenger type information through a messenger protocol conversion function provided in the personal asset management server 185 Messenger terminal It provides a heterogeneous messenger terminal connected through the messenger account information and at least one messenger service (e.g., text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) do.

According to the present invention, the personal asset management program outputs an account transfer interface for inputting predetermined account transfer request information in connection with the information output unit through the mainframe unit for the account transfer transaction between heterogeneous messengers, Input the account transfer request information including at least one of withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information through the account transfer interface in association with the information input unit; By sending the account transfer request information to the personal asset management server 185 in association with a processing unit, the personal asset management server 185 is provided with a messenger banking unit for processing an account transfer transaction corresponding to the account transfer request information Characterized in that, the messenger banking unit is required to transfer the account It is preferable to encrypt the blue information according to a predetermined encryption method.

Here, the transaction authentication information preferably comprises at least one withdrawal account password (or withdrawal transaction password) for the withdrawal account, security code number, OTP (One Time Password) code, etc. according to the intention of the skilled person It is preferable to comprise at least one or more.

,

According to an embodiment of the present invention, the messenger banking unit may include at least one or more heterogeneous messenger terminals provided in an external messenger system through the integrated messenger unit and at least one messenger service (eg, text chat, voice chat, image chat, and message exchange). Certain banking identification information (e.g., "account", "account number", "transfer", or "transfer") from the heterogeneous messenger terminal during file exchange, mail sending, friend search, etc. , Text information, voice information, mail information, etc.) is preferably activated.

In addition, the messenger banking unit normally connects the personal asset management program to the personal asset management server 185 through a predetermined communication network regardless of whether the banking identification information (eg, text information, voice information, mail information, etc.) is received. And if the member is authenticated, it is preferable to be activated based on the member authentication result of the personal asset management server 185.

That is, when only the messenger function is activated in the personal asset management program without membership authentication of the personal asset management server 185, the messenger banking function may be deactivated.

According to an embodiment of the present invention, it is preferable that the messenger banking unit transmits the account transfer request information to the personal asset management server 185 by attaching an encryption / electronic signature according to a predetermined encryption method.

8 is a diagram illustrating a configuration of an integrated messenger banking system for a personal asset management customer according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 shows a customer terminal having a personal asset management program provided in FIG. 9 by opening a predetermined personal asset management account through the system for opening a personal asset management account shown in FIG. 1 or FIG. 5 (875). ) Connects a messenger communication channel with a messenger communication channel through a messenger protocol conversion function provided in a predetermined personal asset management server 800, and makes a predetermined amount based on payee account information provided from the messenger messenger. As an integrated messenger banking system for transferring the account to the beneficiary account, those skilled in the art to which the present invention pertains, the personal financial management system by referring to and / or modifying this figure 8 ; PFMS) It is possible to infer various implementation methods for the configuration of integrated messenger banking system for customers. Said composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 8.

Referring to FIG. 8 according to an embodiment of the present invention, the integrated messenger banking system for a personal asset management customer includes a customer terminal 875 having a personal asset management program shown in FIG. 9, and the customer terminal 875. ) And a personal asset management server 800 connected through a predetermined communication network, a financial system in which the personal asset management account is opened, and the personal asset management program and the personal asset management server 800 are connected and managed. And at least one external financial system in which a financial account is opened, wherein the personal asset management server 800 is connected to an external messenger system that operates heterogeneous messengers through a protocol conversion function between predetermined messengers. It is characterized by.

Here, the external messenger system preferably includes a messenger terminal 870 having at least one messenger program, and a predetermined messenger server 865 that provides a messenger service between the messenger terminal 870. Depending on the system configuration, the messenger server 865 may be omitted.

The messenger terminal 870 is connected to the messenger server 865 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network to provide at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program for providing image chat, message exchange, file exchange, mailing, friend search, etc.).

Alternatively, the messenger terminal 870 connects to the messenger server 865 through a network means including a code division multiple access (CDMA) based wireless communication network, thereby providing at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or personal digital devices with messenger programs that provide chat, message exchange, file exchange, mailing, friend searching, etc. At least one of a cellular digital terminal (PDC) and / or a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) and / or a smart phone. It is done.

In addition, the messenger terminal 870 is connected to the messenger server 865 through a network means including an IEEE 802.16x based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, message exchange). And at least one portable internet terminal having a messenger program for exchanging files, sending mail, searching friends, etc.).

In addition, the messenger terminal 870 is connected to the messenger server 865 through a network means including an IEEE 802.11x-based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , A wireless LAN terminal having a messenger program for exchanging files, sending mail, searching a friend, etc.).

In addition, the messenger terminal 870 is connected to the messenger server 865 via a network means including a DataTAC method of Motorola, or a Mobitex method of Erricson, or at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program for chatting, video chatting, message exchange, file exchange, mailing, friend searching, and the like.

The messenger server 865 is a member for providing at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal 870. The messenger customer based on predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 870 which executes (or drives) the messenger program in association with the member information D / B. Characterized in that it comprises a function to authenticate.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer in the messenger server 865, and the messenger customer. It is preferable to include at least one predetermined member personal information (for example, customer name, social security number, address, contact information, etc.) for.

According to the method of the present invention, when the messenger account information including the messenger ID information and the messenger password is received from the messenger terminal 870 which executes (or runs) the messenger program, the messenger server 865 is configured to execute the messenger account. By comparing the information with the messenger account information provided in the member information D / B, a messenger customer corresponding to the messenger account information can be configured with at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange). , Mailing, friend searching, etc.) is preferably a valid messenger customer to be provided.

According to an embodiment of the present invention, the messenger member authentication process of the messenger server 865 comparing the messenger account information received from the messenger terminal 870 with messenger account information provided in the member information D / B includes: Preferably, the messenger terminal 870 executes the messenger program for the first time (or drives) to log in to the messenger server 865, and at least one or more messenger programs through the messenger program in the messenger terminal 870. In the non-face-to-face messenger banking request, it is preferable to repeatedly perform the messenger banking request.

In addition, when the messenger member authentication succeeds, the messenger server 865 performs text chat, voice chat, image chat, message exchange, through a messenger program provided in at least one messenger terminal 870 in which the member authentication succeeds. It is characterized in that it comprises a function for operating to provide at least one messenger service, such as file exchange, mail sending, friend search.

Those skilled in the art to which the present invention pertains, text chat, voice chat, video chat, message exchange, file exchange, mail through the messenger program provided in the at least one messenger terminal 870 You will be familiar with the technical features of operating to provide at least one messenger service, such as sending, friend search, etc., a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the personal asset management server 800 communicates with the messenger server 865 provided on the external messenger system through a predetermined communication network, or at least provided on the external messenger system. It is characterized in that it comprises an external messenger interface unit 820 for communicating with at least one messenger terminal 870.

The external messenger interface unit 820 may include a messenger server 865 on the external messenger system and a messenger terminal 870 provided in the messenger system (eg, a messenger terminal having a messenger associated with the messenger server 865). It is characterized in that the communication connection with the messenger server 865 according to the communication protocol between.

In addition, the external messenger interface unit 820 is connected to at least one messenger terminal 870 provided on the external messenger system according to a communication protocol of the messenger terminal 870 on the external messenger system. do.

Referring to FIG. 8, the personal asset management server 800 includes a personal asset management program and a predetermined messenger protocol (hereinafter, referred to as a "PFMS messenger protocol") provided in the customer terminal 875 through a predetermined communication network. In accordance with the PFMS messenger interface unit 810 for communication connection.

The PFMS messenger interface unit 810 is characterized in that the communication connection with the customer terminal 875 in accordance with the PFMS messenger protocol corresponding to the messenger function provided in the personal asset management program provided in the customer terminal 875, Here, the PFMS messenger protocol corresponding to the messenger function provided in the personal asset management program may include a messenger communication protocol provided in the personal asset management program.

Referring to FIG. 8, the personal asset management server 800 includes a PFMS messenger protocol corresponding to a messenger function included in the personal asset management program included in the customer terminal 875, and the personal asset management server 800 provided on the external messenger system. A messenger protocol converting section 815 is provided which provides a protocol converting function between messenger protocols (hereinafter, referred to as " external messenger protocols ").

The messenger protocol converter 815 converts a text chat protocol on the PFMS messenger protocol into a text chat protocol on the external messenger protocol, or converts a text chat protocol on the external messenger protocol into a text chat protocol on the PFMS messenger protocol. It is characterized by.

Alternatively, the messenger protocol converter 815 converts a voice chat protocol on the PFMS messenger protocol into a voice chat protocol on the external messenger protocol, or converts a voice chat protocol on the external messenger protocol into a voice chat protocol on the PFMS messenger protocol. Characterized in that the conversion.

Alternatively, the messenger protocol converter 815 converts an image chat protocol on the PFMS messenger protocol into an image chat protocol on the external messenger protocol, or converts an image chat protocol on the external messenger protocol into an image chat protocol on the PFMS messenger protocol. Characterized in that the conversion.

Alternatively, the messenger protocol converter 815 converts a message exchange protocol on the PFMS messenger protocol into a message exchange protocol on the external messenger protocol, or converts a message exchange protocol on the external messenger protocol into a message exchange protocol on the PFMS messenger protocol. Characterized in that the conversion.

Alternatively, the messenger protocol converter 815 converts a file exchange protocol on the PFMS messenger protocol into a file exchange protocol on the external messenger protocol, or converts a file exchange protocol on the external messenger protocol into a file exchange protocol on the PFMS messenger protocol. Characterized in that the conversion.

Alternatively, the messenger protocol converter 815 converts a mail sending protocol on the PFMS messenger protocol into a mail sending protocol on the external messenger protocol, or converts a mail sending protocol on the external messenger protocol into a mail sending protocol on the PFMS messenger protocol. Characterized in that the conversion.

Alternatively, the messenger protocol converter 815 converts a friend search protocol on the PFMS messenger protocol into a friend search protocol on the external messenger protocol, or converts a friend search protocol on the external messenger protocol into a friend search protocol on the PFMS messenger protocol. Characterized in that the conversion.

Referring to FIG. 8, the personal asset management server 800 is opened through the personal asset management account opening system shown in FIG. 1 or 5 in connection with the personal asset management program provided in the customer terminal 875. At least one personal asset in association with a storage medium 860 operating the personal asset management account and storing personal asset management operation information registered through the personal asset management account opening system shown in FIG. 1 or FIG. Personal asset management operating unit 805 for managing and operating the account to be managed is characterized in that it is made.

According to an embodiment of the present invention, the personal asset management information stored in the storage medium 860 may include at least one of the customer information, the personal asset management account information, the at least one personal asset management target account information, and the messenger account information. It is preferable to comprise.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the personal asset management account opening system in response to the customer. It is preferable to comprise.

The personal asset management account information includes account information corresponding to the personal asset management account of the customer's name opened in the financial system based on the personal asset management account opening application information included in the personal asset management application information. desirable.

The personal asset management target account information includes at least one financial account information previously opened by the customer in the financial system, or at least one financial account information previously opened by the customer in at least one external financial system. It is preferable to include account information corresponding to at least one personal asset management target account to be integrated management through the asset management server 800.

After the messenger account information is opened (or personal asset management application), at least one messenger service (eg, text chat, voice chat, video chat, etc.) is provided through a messenger function provided in the client terminal 875. It is preferable to include member ID information registered to receive a message exchange, file exchange, mailing, friend search, etc.).

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the personal asset management unit 805, detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the personal asset management server 800 connects the PFMS messenger through a messenger function provided in the personal asset management program included in the customer terminal 875 in connection with the PFMS messenger interface unit 810. An information receiving unit 825 for receiving predetermined messenger type information corresponding to the external messenger system and messenger account information to be accessed on the external messenger system according to a protocol; and the messenger in connection with the external messenger interface unit 820. And an external messenger verification unit 830 for identifying a messenger terminal 870 connected to the messenger account information on the external messenger system through an external messenger protocol corresponding to format information.

If the messenger terminal 870 corresponding to the messenger account information is confirmed on the external messenger system corresponding to the messenger type information, as a result of confirming by the external messenger checker 830, the messenger protocol converter 815 And a messenger communication channel between the messenger provided in the personal asset management program and a messenger corresponding to the messenger account through a messenger protocol conversion function between the PFMS messenger protocol and an external messenger protocol.

Referring to FIG. 8, the personal asset management server 800 is connected with the PFMS messenger interface unit 810 to withdraw the account information through a messenger function provided in the personal asset management program included in the customer terminal 875. A banking information receiver 835 for receiving bank transfer request information including at least one bank information, transaction authentication information, deposit account information, bank account information, and transfer amount information; and a withdrawal account included in the bank transfer information. An account verification unit 840 for checking whether the information and the withdrawal bank information are managed accounts managed by the personal asset management server 800, and an authentication for verifying the validity of the account transfer in connection with the financial system in which the withdrawal account is opened; If the processing unit 845 and the validity of the account transfer are confirmed, withdraw the transfer amount from the withdrawal account in association with the financial system in which the withdrawal account is opened. After the account transfer processing unit 850 deposits to the deposit account and the account transfer transaction is processed, the account transfer history is transmitted to the messenger provided in the personal asset management program in connection with the PFMS interface unit, and the external messenger is provided. In connection with the interface unit 820, characterized in that it comprises an information transmitting unit 855 for transmitting the account transfer history to the heterogeneous messenger.

The banking information receiving unit 835 is a messenger banking function of the messenger function provided in the personal asset management program provided in the customer terminal 875 is activated, withdrawal account information, withdrawal bank information, and transaction through the messenger banking function. When the bank transfer request information including at least one of authentication information, deposit account information, deposit bank information, and transfer amount information is transmitted, the banking information receiving unit 835 is connected to the PFMS messenger interface unit 810 to transfer the account. And receiving request information.

When the bank transfer request information is received with the encryption / digital signature attached to the personal asset management program, the banking information receiving unit 835 may further perform a decryption / digital signature verification function on the bank transfer request information. Do.

The account verification unit 840 checks the withdrawal account information and withdrawal bank information included in the bank transfer request information, and connects the withdrawal account information with the storage medium 860 shown in FIG. 1 or 5. Checking whether the withdrawal account corresponding to the withdrawal bank information is the personal asset management account shown in FIG. 1 or 5 or included in at least one personal asset management target account information managed by the personal asset management server 800; It is characterized by.

If the withdrawal account is not included in the personal asset management target account information managed by the personal asset management server 800 based on the withdrawal account information and the withdrawal bank, the account transfer transaction may be cancelled.

On the other hand, if the withdrawal account is included in the personal asset management target account information managed by the personal asset management server 800 based on the withdrawal account information and the withdrawal bank, the account transfer transaction is preferably treated as valid.

The authentication processing unit 845 checks the financial system in which the withdrawal account is opened based on the withdrawal account information and the withdrawal bank information included in the account transfer request information, and connects the transaction with the financial system in which the withdrawal account is opened. By authenticating the authentication information, it is characterized in that the validity of the bank transfer transaction.

According to an embodiment of the present invention, if the withdrawal account is a personal asset management account shown in FIG. 1 or 5, the authentication processing unit 845 authenticates the transaction authentication information in association with the financial system to transfer the account. It is desirable to authenticate the validity of the transaction.

According to another embodiment of the present invention, if the withdrawal account is a customer account provided in an external financial system managed by the personal asset management server 800 in addition to the personal asset management account shown in FIG. 1 or 5, the authentication processing unit 845 may provide the withdrawal account information, withdrawal bank information and transaction authentication information to a corresponding external financial system through a financial common network (or a communication network), thereby authenticating the validity of the account transfer transaction through the external financial system. It is preferable.

When the validity of the wire transfer transaction is authenticated by the authentication processor 845, the wire transfer processor 850 withdraws the transfer amount from the withdrawal account in connection with a financial system in which the withdrawal account is opened. It is characterized by processing the account transfer transaction to deposit into the account.

According to an embodiment of the present invention, if the withdrawal account is the personal asset management account shown in FIG. 1 or 5, the account transfer processing unit 850 withdraws the transfer amount from the withdrawal account in association with the financial system. It is preferable to process a bank transfer transaction for depositing into the deposit account.

According to another embodiment of the present invention, if the withdrawal account is a customer account provided in an external financial system managed by the personal asset management server 800 in addition to the personal asset management account shown in FIG. The processing unit 850 transfers the account information including at least one withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information to a corresponding external financial system through a financial common network (or a communication network). By providing the request information, it is preferable to process an account transfer transaction for withdrawing the transfer amount from the withdrawal account through the external financial system and depositing the transfer amount into the deposit account.

After the bank transfer transaction is processed, the information transmitter 855 may be configured to transmit the account transfer history to a messenger provided in the personal asset management program in association with the PFMS interface unit.

In addition, the information transmission unit 855 is connected to the external messenger interface unit 820, the messenger terminal 870 of the heterogeneous messenger terminal 870 corresponding to the deposit account information (or a messenger provided through an integrated messenger function of the personal asset management program). If it is confirmed that the messenger terminal 870 corresponding to the format information and the messenger account information is connected to the external messenger system, and it is confirmed that the heterogeneous messenger terminal 870 is connected to the external messenger system, the external messenger interface unit In operation 820, the account transfer history may be transmitted to the heterogeneous messenger terminal 870.

If it is confirmed that the heterogeneous messenger terminal 870 is connected to the external messenger system, the information transmitter 855 sends a message exchange protocol or an e-mail corresponding to the external messenger interface 820. The account transfer history is characterized in that it is transmitted to the heterogeneous messenger terminal 870 through a protocol.

9 is a diagram showing the configuration of a personal asset management program function recorded on a recording medium provided in the customer terminal 875 for integrated asset management of a customer according to an embodiment of the present invention.

More specifically, Figure 9 is for the configuration of the preferred function of the personal asset management program provided in the customer terminal 875 for the integrated asset management of a given customer, the person skilled in the art to which the present invention pertains. If it is possible to infer the various implementation methods of the personal asset management program function configuration for the integrated asset management of the customer by referring to and / or modifying this figure 9, the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Referring to FIG. 9, the personal asset management program is operated based on a recording medium provided in the customer terminal 875 in connection with an operating system (or platform) provided in the customer terminal 875. Interoperate with at least one or more functional components constituting the personal asset management program for integrated asset management of the customer, and / or an operating system (or) provided in the client terminal 875 Platform) through a main frame unit 915 (Mainfrmae) to perform a function for the integrated asset management of the customer in conjunction with at least one component provided in the customer terminal 875 is characterized in that it is made. .

The main frame unit 915 is characterized in that the personal asset management program comprises a program execution code for executing on the operating system (or platform) provided in the customer terminal 875, whereby the customer terminal ( 875, the personal asset management program is executed to operate based on the operating system (or platform) provided in the customer terminal 875 in response to a predetermined program execution command.

In addition, the mainframe unit 915 is characterized in that for controlling the interlocking of at least one or more functional components provided in the personal asset management program for the integrated asset management of the customer, thereby the integrated asset management of the customer At least one functional component constituting the personal asset management program for allocating an instance to the mainframe unit 915, the functional components are cross-referenced and / or interworking.

In addition, the mainframe unit 915 is at least one component (eg, key input means and / or screen output means, etc.) that the functional components are provided in the customer terminal 875 for the integrated asset management of the customer And a handle (and / or interrupt) for accessing the control unit, whereby each of the functional units constituting the personal asset management program is provided with each of the customer terminals 875. Access to the component is characterized by performing a unique function defined in each functional component.

In addition, the mainframe unit 915 is at least one component (eg, key input means and / or screen output means that the functional components are provided in the customer terminal 875 for the integrated asset management of the customer) Etc.) to obtain an interrupt for accessing and / or to access an input / output bus corresponding to a peripheral device provided in the customer terminal 875, thereby constituting the personal asset management program. The functional components of the user terminal 875 is characterized in that the access to each component provided in each of the functional components to perform a unique function defined.

According to the present invention, the personal asset management program includes an information input unit 905 for receiving various input information for integrated asset management of the customer from at least one or more key input means provided in the customer terminal 875, and the customer. At least one screen output means provided in the terminal 875 is provided with an information output unit 900 for outputting a variety of output information for the integrated asset management of the customer on a predefined interface screen, and the customer terminal 875 And a communication processor 920 for connecting the personal asset management server 800 and the communication channel for personal asset management on the network to which the customer terminal 875 is connected through the communication means. Key input means preferably comprises at least one input device and a key input driver provided in the customer terminal 875, Preferably, the screen output means includes at least one output device and a screen output driver provided in the customer terminal 875, and the communication means includes at least one network device provided in the customer terminal 875; This includes the network driver.

The information input unit 905 works in conjunction with the mainframe unit 915 to access at least one or more key input means provided in the customer terminal 875 for integrated asset management of the customer, and from the key input means. Characterized in that a variety of input information to be input for the customer's integrated asset management is input to the personal asset management program.

The information output unit 900 interoperates with the mainframe unit 915 to access at least one or more screen output means provided in the customer terminal 875 for integrated asset management of the customer, and the mainframe unit ( At least one output information requested to be output to the screen output means from at least one or more functional components constituting the personal asset management program through 915, characterized in that for outputting.

In addition, the information output unit 900 is connected to the main frame unit 915 to access at least one or more screen output means provided in the customer terminal 875, the customer terminal 875 as the screen output means. And an interface screen including at least one user interface for receiving various input information in association with a key input means provided in the.

The user interface may include at least one Edit control and / or ComboBox control and / or ListBox control and / or Button control. It is desirable to include at least one other user interface (eg, an Image control and / or a Custom control).

When the communication network connected to the customer terminal 875 includes a TCP / IP-based wired communication network, the communication processing unit 920 operates at least one personal asset management server and the personal asset management server 800 through the wired communication network. And a communication channel for transmitting and receiving information.

Alternatively, when the communication network to which the customer terminal 875 is connected includes any one of a CDMA / WCDMA based wireless communication network, an HSDPA based wireless communication network, and an IEEE 802.16x based wireless communication network, the communication processing unit 920 may select the wireless communication network. It characterized in that for connecting the personal asset management server 800 and the communication channel for transmitting and receiving at least one personal asset management operation information.

According to the present invention, the personal asset management program transmits and receives at least one personal asset management operation information with the personal asset management server 800 in association with the communication processing unit 920 through the mainframe unit 915, A personal asset management unit 910 for inputting at least one personal asset management input information in association with the information input unit 905 and outputting at least one personal asset management output information in connection with the information output unit 900. Characterized in that made.

Those skilled in the art to which the present invention belongs, the personal asset management unit 910 according to the characteristics of each personal asset management program through the main frame unit, the communication processing unit 920, information input unit 905, information You will be familiar with the detailed technical features of various personal asset management functions (e.g., account integration management function, account book function, simulation function, financial calculator function, financial product recommendation function, etc.) provided in connection with the output unit 900. Detailed description thereof will be omitted for convenience.

According to the present invention, the personal asset management program is a messenger processing unit on the personal asset management program provided in the other customer terminal 875 through the communication means provided in the customer terminal 875 through the mainframe unit 915 ( 925 and a messenger communication channel according to a predetermined messenger protocol, output a predetermined messenger screen in association with the information output unit 900, input messenger operation information in association with the information input unit 905, And a messenger processing unit 925 which provides at least one messenger service for transmitting and receiving at least one message (or data) corresponding to the messenger operation information through the messenger communication channel. 925 is the dog in addition to the messenger processing unit 925 on the personal asset management program provided to the other client terminal (875) Depending asset management server 800 with a given messenger protocol is characterized in that for connecting the IM communication channel.

According to the exemplary embodiment of the present invention, the messenger processing unit 925 transmits and authenticates the messenger account information corresponding to the messenger account information stored in the storage medium 860 to the personal asset management server 800 to perform the authentication. Messenger and at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) provided in at least one other client terminal 875 having a personal asset management program. It is characterized by receiving.

If the person skilled in the art to which the present invention pertains, the messenger processing unit 925 communicates with the messenger processing unit 925 on the personal asset management program provided in another customer terminal 875 according to a predetermined messenger protocol. Since the messenger processing unit 925 will be familiar with the technical features of providing various messenger services (eg, chatting between different messengers, sending and receiving messages, sending and receiving files, etc.), a detailed description thereof. Is omitted for convenience.

According to the present invention, after the personal asset management program is provided with at least one messenger service through the messenger processing unit 925, the messenger of the heterogeneous messenger in connection with the information output unit 900 through the mainframe unit 915. Outputting a user interface for inputting type information and messenger account information, inputting heterogeneous messenger type information and messenger connection target messenger account information through the user interface in association with the information input unit 905, and receiving the messenger processing unit ( And an integrated messenger unit 930 for transmitting the messenger type information and messenger account information to the personal asset management server 800 in connection with 925, and provided in the personal asset management server 800. Messenger system corresponding to the messenger type information through a messenger protocol conversion function Heterogeneous messenger terminal 870 connected to the messenger terminal 870 provided in the messenger terminal 870 and at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail transmission). , Friend search, etc.).

According to the present invention, the personal asset management program is an account for inputting predetermined account transfer request information in connection with the information output unit 900 through the mainframe unit 915 for the account transfer transaction between heterogeneous messengers Outputs a transfer interface and includes at least one withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information through the account transfer interface in association with the information input unit 905. Input the bank transfer request information, and transfer the bank transfer request information to the personal asset management server 800 in connection with the messenger processing unit 925, the account transfer request information through the personal asset management server 800 And a messenger banking unit 935 for processing an account transfer transaction corresponding to the messenger banking unit 9. 35) it is preferable to encrypt the account transfer request information according to a predetermined encryption method.

Here, the transaction authentication information preferably comprises at least one withdrawal account password (or withdrawal transaction password) for the withdrawal account, security code number, OTP (One Time Password) code, etc. according to the intention of the skilled person It is preferable to comprise at least one or more.

,

According to an embodiment of the present invention, the messenger banking unit 935 may include at least one or more heterogeneous messenger terminals 870 and at least one messenger service (eg, provided in an external messenger system through the integrated messenger unit 930). Text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) from the heterogeneous messenger terminal 870, "account", "account number", or "transfer", or "transfer". It is preferable to activate when a predetermined banking identification information (eg, text information, voice information, mail information, etc.) related to the bank transfer is received.

In addition, the messenger banking unit 935 is the personal asset management server 800 through the predetermined communication network the personal asset management program regardless of receiving the banking identification information (for example, text information, voice information, mail information, etc.) In the case of normal access and member authentication, the personal asset management server 800 is preferably activated based on the member authentication result.

That is, the messenger function is available only by accessing the personal asset management server 800 through the messenger account stored in the storage medium 860, but for the account transfer service, the personal asset management server 800 Personal asset management customer qualification must be authenticated according to the provided membership authentication procedure. If the personal asset management customer qualification is not authenticated, the messenger banking function is preferably deactivated.

According to an embodiment of the present invention, the messenger banking unit 935 preferably transmits the account transfer request information to the personal asset management server 800 by attaching an encryption / digital signature according to a predetermined encryption method.

FIG. 10 is a diagram illustrating a process of connecting a heterogeneous messenger and a messenger communication channel through a messenger function included in the personal asset management program in the customer terminal 875 according to an embodiment of the present invention.

More specifically, FIG. 10 is connected to the personal asset management server 800 shown in FIG. 8 through the personal asset management program in a predetermined client terminal 875 having the personal asset management program shown in FIG. Connecting at least one personal messenger communication channel provided on the external messenger system shown in FIG. 8 through a messenger function provided in the personal asset management program. As for the process, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying this figure 10 through the messenger function provided in the personal asset management program in the customer terminal 875 Various implementation methods for a process of connecting a messenger and a messenger communication channel may be inferred, but the present invention is inferred from the above-described analogy. Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 10.

Hereinafter, in FIG. 10, the customer terminal 875 having the personal asset management program shown in FIG. 8 (or FIG. 9) is referred to as a “terminal” for convenience, and the personal asset management server 800 shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 10, the terminal executes the personal asset management program and accesses the server through a predetermined communication network, and then the personal asset management account based on the personal asset management operation information stored in the storage medium 860. In connection with an external financial system that opens a financial system that has established and at least one customer account included in the personal asset management object, the personal asset management service for integrated management of the customer's assets is provided (1000).

While the personal asset management service is being provided as described above, the terminal checks whether the PFMS based messenger function is activated at the request of the customer (1005). If the PFMS based messenger function is activated (1010), the terminal The PFMS-based messenger is at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search) through a PFMS-based messenger of a personal asset management program provided to another terminal through the PFMS-based messenger Etc.) (1015).

The messenger service is performed until the PFMS-based messenger function is terminated in the personal asset management program (1025). In order to connect a messenger communication channel with a heterogeneous messenger according to the present invention, the terminal uses the PFMS-based messenger. Inputting messenger type information and messenger account information corresponding to the heterogeneous messenger to which the messenger communication channel is to be connected is transmitted to the server through the PFMS messenger protocol (1030), and correspondingly, the server receives the received messenger type. The information and the messenger account information are read to determine whether messenger protocol conversion for the messenger communication channel connection is possible (1035).

If it is not possible to convert a messenger protocol corresponding to the messenger type information and messenger account information (1040), the server generates heterogeneous messenger connection error information and transmits the messenger connection error information to the terminal (1020).

On the other hand, if the messenger protocol conversion corresponding to the messenger type information and the messenger account information is possible (for example, if the server is equipped with the latest version of the messenger protocol conversion function corresponding to the messenger type information) (1040), the server In step 1045, the heterogeneous messenger corresponding to the messenger account information is connected to the external messenger system based on the external messenger protocol corresponding to the messenger type information.

If it is not confirmed that a heterogeneous messenger corresponding to the messenger account is connected to the external messenger system (1050), the server generates heterogeneous messenger connection error information and transmits the heterogeneous messenger connection error information to the terminal (1020).

On the other hand, if it is confirmed that a heterogeneous messenger corresponding to the messenger account is connected to the external messenger system (1050), the server exchanges the PFMS messenger with the PFMS messenger protocol and an external messenger protocol corresponding to the messenger type information. A messenger communication channel between two messengers corresponding to the messenger account information is connected (1055).

The messenger protocol conversion function may include converting a text chat protocol on the PFMS messenger protocol into a text chat protocol on the external messenger protocol, or converting a text chat protocol on the external messenger protocol into a text chat protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function converts a voice chat protocol on the PFMS messenger protocol into a voice chat protocol on the external messenger protocol, or converts a voice chat protocol on the external messenger protocol into a voice chat protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function may be configured to convert the image chat protocol on the PFMS messenger protocol to the image chat protocol on the external messenger protocol, or to convert the image chat protocol on the external messenger protocol to the image chat protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function may be configured to convert a message exchange protocol on the PFMS messenger protocol into a message exchange protocol on the external messenger protocol, or convert a message exchange protocol on the external messenger protocol to a message exchange protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function converts a file exchange protocol on the PFMS messenger protocol into a file exchange protocol on the external messenger protocol, or converts a file exchange protocol on the external messenger protocol to a file exchange protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function converts a mail sending protocol on the PFMS messenger protocol into a mail sending protocol on the external messenger protocol, or converts a mail sending protocol on the external messenger protocol to a mail sending protocol on the PFMS messenger protocol. It features.

Alternatively, the messenger protocol conversion function converts a friend search protocol on the PFMS messenger protocol to a friend search protocol on the external messenger protocol, or converts a friend search protocol on the external messenger protocol to a friend search protocol on the PFMS messenger protocol. It features.

11 is a diagram illustrating a messenger banking process between a messenger and a heterogeneous messenger provided in a personal asset management program according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 illustrates a messenger between a messenger provided in a personal asset management program provided in the client terminal 875 and a heterogeneous messenger provided on an external messenger system through a messenger communication channel connection process illustrated in FIG. 10. After the communication channel is connected, when the banking identification information (eg, text information, voice information, mail information, etc.) is received from the heterogeneous messenger by the messenger provided in the personal asset management program, the banking identification information As a process for activating a messenger banking function provided in the personal asset management program based on the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the personal information of the personal asset. Various implementation methods for messenger banking process between messenger and heterogeneous messenger in management program can be inferred Although there will be, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the customer terminal 875 having the personal asset management program shown in FIG. 8 (or FIG. 9) is referred to as a “terminal” for convenience, and the personal asset management server 800 shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 11, after the terminal performs the messenger communication channel connection process illustrated in FIG. 10, the terminal determines whether the heterogeneous messenger and the predetermined messenger communication channel are connected through a messenger protocol conversion function provided in the server. (1100).

If it is confirmed that the heterogeneous messenger corresponding to the messenger type information and the messenger account information is connected with the messenger communication channel (1105), the terminal connects the heterogeneous messenger through the messenger protocol conversion function in association with the server. Provide a messenger and at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.), and while the messenger service is provided, In operation 1115, it is determined whether predetermined banking identification information is received from the heterogeneous messenger through the messenger protocol conversion.

The banking identification information may be received through at least one protocol conversion among text message protocol conversion, voice information protocol conversion, and mail information protocol conversion among the messenger protocol conversion functions.

For example, the banking identification information may be received from the heterogeneous messenger terminal 870 such as a text, voice, or mail related to an account transfer such as "account", "account number", "transfer", or "transfer". It is preferable to comprise.

If predetermined banking identification information is received from the heterogeneous messenger (1120), the terminal activates a messenger banking function including a transfer account transaction for the heterogeneous messenger that has transmitted the banking identification information, and a predetermined withdrawal account. An account transfer interface for inputting account transfer request information including at least one of information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information is output (1125).

Thereafter, the terminal inputs (or selects) the bank transfer request information including at least one of the withdrawal account information, the withdrawal bank information, the transaction authentication information, the deposit account information, the deposit bank information, and the transfer amount information through the account transfer interface; (1130).

If the bank transfer request information is input (or selected) (1135), the terminal sends the withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, through the PFMS messenger protocol; The bank transfer request information including at least one transfer amount information is transmitted (1140).

12 is a diagram illustrating a messenger banking process between a messenger and a heterogeneous messenger provided in a personal asset management program according to another exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates a messenger between a messenger provided in a personal asset management program included in the client terminal 875 and a heterogeneous messenger provided on an external messenger system through a messenger communication channel connection process illustrated in FIG. 10. After the communication channel is connected, the process of activating the messenger banking function provided in the personal asset management program when the personal asset management server is connected to the personal asset management server 800 as the personal asset management customer qualification. For those skilled in the art to which the present invention pertains, various implementation methods for the messenger banking process between the messenger and the heterogeneous messenger provided in the personal asset management program are inferred by referring to and / or modifying the drawing 12. As will be appreciated, the present invention includes all implementation methods inferred from the above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the customer terminal 875 having the personal asset management program shown in FIG. 8 (or FIG. 9) is referred to as " terminal " for convenience, and the personal asset management server 800 shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 12, after the terminal performs the messenger communication channel connection process illustrated in FIG. 10, the terminal determines whether the heterogeneous messenger and the predetermined messenger communication channel are connected through a messenger protocol conversion function provided in the server. (1200)

If it is confirmed that the heterogeneous messenger corresponding to the messenger type information and the messenger account information is connected with the messenger communication channel (1205), the terminal connects the heterogeneous messenger through the messenger protocol conversion function in association with the server. Provide a messenger and at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.) (1210), and the heterogeneous messenger at the terminal during the messenger service; When requesting a wire transfer transaction for (1215), the terminal checks whether the messenger customer connected to the server as a personal asset management customer qualification in connection with the server (1220).

If the customer confirms that the client accesses the server through the storage medium 860 and the stored messenger account and does not access the personal asset management customer (1225), the mall terminal displays the personal asset management customer on the messenger screen. A request is made to access the server as a qualification (1230).

On the other hand, if the customer accesses the server through the messenger account stored with the storage medium 860 and the personal asset management customer qualification (1225), the mall terminal transfers the account for the heterogeneous messenger. An account for activating a messenger banking function including a transaction and inputting at least one withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information; The transfer interface is output (1230).

Thereafter, the terminal inputs (or selects) the bank transfer request information including at least one of the withdrawal account information, the withdrawal bank information, the transaction authentication information, the deposit account information, the deposit bank information, and the transfer amount information through the account transfer interface; (1235).

If the bank transfer request information is input (or selected) (1245), the terminal sends the withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, to the server through the PFMS messenger protocol; The transfer request information including at least one transfer amount information is transmitted (1250).

FIG. 13 is a diagram illustrating an account transfer transaction process between a messenger and a heterogeneous messenger provided in a personal asset management program according to an embodiment of the present invention.

In more detail, Figure 13 shows the withdrawal account information and withdrawal according to the PFMS messenger protocol in the messenger of the personal asset management program provided in the client terminal 875 through the messenger banking process shown in FIG. When the account transfer request information including at least one or more bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information is transmitted, the personal asset management server 800 corresponds to the account corresponding to the account transfer request information. As for the process of processing the transfer transaction, if one of ordinary skill in the art to which the present invention belongs, the account between the messenger and the heterogeneous messenger provided in the personal asset management program by referring to and / or modifying the drawing 13 Various implementation methods for the transfer transaction process may be inferred, but the present invention includes all implementation methods inferred above. In addition, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the customer terminal 875 having the personal asset management program shown in FIG. 8 (or FIG. 9) is referred to as a "terminal" for convenience, and the personal asset management server 800 shown in FIG. Is referred to as "server" for convenience.

Referring to FIG. 13, the withdrawal account information and withdrawal bank according to the PFMS messenger protocol in the messenger of the personal asset management program included in the client terminal 875 through the messenger banking process shown in FIG. When the bank transfer request information including at least one information, transaction authentication information, deposit account information, deposit bank information, transfer amount information is transmitted, the server receives the bank transfer request information through the PFMS messenger protocol; 1300), the withdrawal account information and withdrawal bank information included in the bank transfer request information, the withdrawal account corresponding to the withdrawal account information and withdrawal bank information in connection with the storage medium 860 is the name of the customer It is checked whether it is a personal asset management account or included in personal asset management target account information managed by the server (1305).

If the withdrawal account is not included in the personal asset management object (1310), the server generates an account transfer error information for the withdrawal account and transmits it to the terminal according to the PFMS messenger protocol (1325).

On the other hand, if the withdrawal account is included in the personal asset management object (1310), the server checks the financial system in which the withdrawal account is opened based on the withdrawal account information and withdrawal bank information included in the transfer request information, In operation 1315, the validity of the wire transfer transaction is verified by authenticating the transaction authentication information in association with the financial system in which the withdrawal account is opened.

According to an embodiment of the present invention, if the withdrawal account is the personal asset management account of the customer, the server is preferably connected with the financial system to authenticate the transaction authentication information to authenticate the validity of the transfer account transaction. Do.

According to another exemplary embodiment of the present invention, if the withdrawal account is a customer account provided in an external financial system managed by the personal asset management server 800 in addition to the personal asset management account, the server establishes a financial common network (or a communication network). By providing the withdrawal account information, withdrawal bank information and transaction authentication information to the corresponding external financial system, it is preferable to authenticate the validity of the account transfer transaction through the external financial system.

If the validity of the wire transfer transaction is not authenticated (1320), the server generates an account transfer error information for the withdrawal account and transmits it to the terminal according to the PFMS messenger protocol (1325).

On the other hand, if the validity of the account transfer transaction is authenticated (1320), the server processes the account transfer transaction corresponding to the account transfer request information in connection with the financial system in which the withdrawal account is opened (1330).

According to an embodiment of the present invention, if the withdrawal account is the personal asset management account of the customer, the server withdraws the transfer amount from the withdrawal account in connection with the financial system and transfers the deposit to the deposit account. It is desirable to handle.

According to another exemplary embodiment of the present invention, if the withdrawal account is a customer account provided in an external financial system managed by the personal asset management server 800 in addition to the personal asset management account, the server establishes a financial common network (or a communication network). By providing the account transfer request information including at least one or more withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, transfer amount information to the external financial system through the external financial system, It is preferable to process an account transfer transaction which withdraws the transfer amount from a withdrawal account and deposits it into the deposit account.

If the bank transfer transaction is processed (1335), the server transmits the account transfer history to the terminal according to the PFMS messenger protocol (1340), the heterogeneous messenger of the target money transfer according to the external messenger protocol is the external messenger Check whether the system is connected (1345).

If the heterogeneous messenger to which the bank transfer target is not connected is connected to the external messenger system (1350), the server transmits the account transfer history to the heterogeneous messenger via a message / mail corresponding to the external messenger protocol ( 1355).

If the heterogeneous messenger that is the target money transfer is connected to the external messenger system (1350), the server transmits the account transfer history to the heterogeneous messenger according to the external messenger protocol (1360).

According to the present invention, through the messenger protocol conversion function provided by the personal asset management system, there is an advantage of forming a community with a conventionally activated messenger (eg, MSN, NateOn, etc.).

According to the present invention, through the messenger protocol conversion function provided by the personal asset management system, there is an advantage that a predetermined amount of money can be safely and conveniently transferred to a messenger customer who has been activated in the past.

According to the present invention, there is an advantage of providing a premium service differentiated from other conventional personal asset management systems through a messenger protocol conversion function provided by the personal asset management system.

According to the present invention, the messenger protocol conversion function and the personal asset customer authentication function provided by the personal asset management system have the advantage of safer and more convenient financial transaction processing than the messenger banking function provided by other messengers.

Claims (5)

In the personal asset management system comprising a terminal having a predetermined personal asset management program and a server providing an integrated asset management service in connection with the personal asset management program, A terminal for transmitting heterogeneous messenger type information and heterogeneous messenger account information corresponding to the heterogeneous messenger through a predetermined messenger protocol; Checking the messenger connection state of the heterogeneous messenger terminal corresponding to the heterogeneous messenger account through an external messenger protocol corresponding to the heterogeneous messenger type information, and if the heterogeneous messenger connection is confirmed, the terminal and the heterogeneous messenger protocol are converted. And a server for connecting a messenger communication channel between messenger terminals. The terminal, Outputting a predetermined account transfer interface, inputting account transfer request information including at least one of withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information and transfer amount information through the account interface; Characterized in that the transmission to the server via a messenger protocol, The server, Check whether the withdrawal account included in the bank transfer request information is included in the object of personal asset management; if the withdrawal account is included in the object of personal asset management, authenticating the account transfer transaction through the transaction authentication information; Integrated messenger banking system using a personal asset management system, characterized in that the withdrawal of the transfer amount from the withdrawal account to the deposit account. The method of claim 1, wherein the server, Transmit the account transfer history to the terminal, Checking the messenger connection state of the heterogeneous messenger terminal in the server, and when the connection of the heterogeneous messenger terminal is confirmed, transmitting the account transfer history to the heterogeneous messenger terminal through the external messenger protocol; If the connection is not confirmed, the integrated messenger banking system using a personal asset management system, characterized in that further comprising the transfer of the transfer history to the heterogeneous messenger terminal via a note (or mail). In the personal asset management system comprising a terminal having a predetermined personal asset management program and a server providing an integrated asset management service in connection with the personal asset management program, Transmitting, by the terminal, heterogeneous messenger type information and heterogeneous messenger account information corresponding to the heterogeneous messenger through a predetermined messenger protocol; Confirming a messenger connection state of a heterogeneous messenger terminal corresponding to the heterogeneous messenger account through an external messenger protocol corresponding to the heterogeneous messenger type information in the server; If the heterogeneous messenger connection is confirmed as a result of the checking, connecting a messenger communication channel between the terminal and the heterogeneous messenger terminal by converting a predetermined messenger protocol; Receiving predetermined banking identification information from the heterogeneous messenger terminal through the messenger protocol conversion at the terminal; The terminal outputs a predetermined account transfer interface corresponding to the banking identification information, and at least one of withdrawal account information, withdrawal bank information, transaction authentication information, deposit account information, deposit bank information, and transfer amount information through the account interface; Inputting the request for transfer of funds including the transfer information to the server through the messenger protocol; Confirming, by the server, whether a withdrawal account included in the bank transfer request information is included in a personal asset management target; If the withdrawal account is included in the personal asset management object, authenticating the account transfer transaction through the transaction authentication information, withdrawing the transfer amount from the withdrawal account and depositing the money into the deposit account; Integrated messenger banking method using a personal asset management system characterized in that. The method of claim 1, Transmitting the account transfer history from the server to the terminal; And The server checks the messenger connection state of the heterogeneous messenger terminal, and when the connection of the heterogeneous messenger terminal is confirmed, transmits the account transfer history to the heterogeneous messenger terminal through the external messenger protocol, and accesses the heterogeneous messenger terminal. If this is not confirmed, transmitting the account transfer history to the heterogeneous messenger terminal via a message (or mail); integrated messenger banking method using a personal asset management system, characterized in that it further comprises. A recording medium comprising a program for executing the method of claim 3.

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