KR20090019080A - System and method for providing intranet banking service with wire and wireless and program recording medium - Google Patents

Abstract

A method and a system for providing a wire/wireless interworking intranet banking service by synchronizing a transaction breakdown and item and a recording medium therefor are provided to synchronize intranet banking transaction breakdown and transaction item information stored in a storage medium. An intranet banking providing unit provides an intranet banking function provided through an intranet within enterprise to wireless client terminals of enterprise employees. If intranet banking transactions occurs through the wireless client terminals of enterprise employees, a storage unit connects and processes the intranet banking transactions with enterprise employees client information, and stores the processed information in a storage medium. When the enterprise employees connect to the intranet within the enterprise through wired terminals, an intranet banking transaction reflecting unit reflect intranet banking transaction through the wireless client terminals of the enterprise employees confirmed through the storage medium.

Description

System and Method for Providing Intranet Banking Service with Wire and Wireless and Program Recording Medium}

1 is a diagram illustrating a configuration of a wireless intranet banking system for a corporate employee according to an embodiment of the present invention.

2 is a diagram illustrating an employee authentication process for providing a wireless banking service and a corporate intranet service to a corporate employee according to an exemplary embodiment of the present invention.

3A and 3B are diagrams illustrating a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

4A and 4B are diagrams illustrating a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

5 is a diagram illustrating the configuration of an intranet banking system for corporate employees according to an embodiment of the present invention.

6 is a diagram illustrating an employee certification process for non-face-to-face banking of corporate employees according to an exemplary embodiment of the present invention.

7 is a diagram illustrating an employee certification process for non-face-to-face banking using a widget according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face financial transaction authentication process for non-face-to-face banking using an intranet according to an embodiment of the present invention.

9A, 9B, and 9C illustrate a process of providing a non-face-to-face intranet banking service using an intranet according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a wired / wireless interworking system for synchronizing intranet banking transaction details performed by corporate employees through wired and wireless terminals according to an embodiment of the present invention.

11 is a diagram illustrating a process of synchronizing intranet banking transaction details performed by corporate employees through wired and wireless terminals according to an embodiment of the present invention.

<Description of main parts of drawing>

100: wireless banking server 125, 500: intranet server

525: intranet banking server 1000: wired and wireless interworking server

1005: information storage unit 1010: information processing unit

1015: information provider

The present invention is a means for processing the intranet banking transaction history and transaction item information provided through the corporate employee customer wired terminal in connection with the corporate employee customer information and stored in the storage medium and the intranet banking stored in the storage medium by the corporate employee customer wireless terminal The present invention relates to a wired / wireless interworking intranet banking service providing system including a means for providing a transaction history and a transaction item.

Recently, financial institutions provide corporate banking services for corporate customers and employees who work for the company.

This corporate banking service adds banking functions to the basic functions of the intranet (e.g., e-mail, e-payment, schedule management, messenger, etc.), so that corporate employees can access various financial services (e.g., remittance, account inquiry) Etc.).

However, banking services provided by various financial institutions are difficult to attract corporate customers unless they include specialized and differentiated services.

An object of the present invention for solving the above problems is the steps of storing the intranet banking transaction history and transaction item information through the corporate employee customer wired terminal in the storage medium (1), and intranet banking transaction through the corporate employee customer wireless terminal Storing the history and transaction item information in the storage medium (2) and intranet banking transaction history and transaction item information stored in the storage medium (1) and intranet banking transaction history and transaction item information stored in the storage medium (2). The present invention provides a method for providing a wired / wireless interworking intranet banking service including synchronizing.

Wired and wireless interworking intranet banking service providing system according to the present invention, if the intranet banking transaction occurs through the means of providing the intranet banking function provided through the intranet within the enterprise to the corporate employee customer wireless terminal, if the intranet banking transaction occurs through the corporate employee customer wireless terminal, Means for storing in storage media by linking with employee customer information and reflecting intranet banking transactions through wireless terminals of corporate employees identified through the storage media when the corporate employees access the intranet through the wired terminal. It characterized in that it comprises a means.

On the other hand, the wired and wireless interworking intranet banking service providing system according to the present invention, means for storing the intranet banking transaction history and transaction item information provided through the corporate employee customer wired terminal in connection with the corporate employee customer information and stored in the storage medium and the company And means for providing an intranet banking transaction history and transaction items stored in the storage medium to an employee customer wireless terminal.

On the other hand, the wired and wireless interworking intranet banking service providing method according to the present invention, the step of storing the intranet banking transaction history and transaction item information through the corporate employee customer wired terminal in the storage medium (1), the intranet via the corporate employee customer wireless terminal Storing banking transaction history and transaction item information in a storage medium (2) and intranet banking transaction history and transaction item information stored in the storage medium (1) and intranet banking transaction history and transaction item stored in the storage medium (2) Characterized in that it comprises the step of synchronizing the information.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described wired and wireless interworking intranet banking service providing method.

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

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

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

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

1 is a diagram illustrating a configuration of a wireless intranet banking system for corporate employees according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a case in which a wireless banking program providing a corporate employee wireless banking service and an intranet service is provided to a corporate employee wireless terminal 160 through a predetermined program providing system. The present invention relates to a wireless banking system that provides an employee with a wireless banking service and an intranet service. Specifically, the corporate employee wireless banking service is provided by a predetermined wireless banking server 100, and the intranet service includes a predetermined intranet server 125. It shows an implementation method provided through).

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 1 to infer various implementation methods for the configuration of the corporate wireless banking system for providing the wireless banking service and intranet service for the corporate employees. As will be appreciated, the invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, a corporate wireless banking system for providing a corporate employee's wireless banking service and an intranet service provides a wireless banking service and a corporate customized service for a corporate employee through a predetermined wireless communication network. Wireless banking that provides wireless banking services for corporate employees in connection with at least one wireless terminal 160 provided with a wireless banking program provided and a wireless banking program provided in the wireless terminal 160 through a predetermined wireless communication network. The server 100 and the wireless banking server 100 through a predetermined interface means to provide a wireless banking service for corporate employees in connection with a wireless banking program provided in the wireless terminal 160 (the wireless banking server ( 100 is connected to the wireless terminal 160 through a financial system and a predetermined wireless communication network. At least one intranet server 125 for providing an intranet service in association with a wireless banking program, and the intranet server 125 for providing an intranet service in connection with a wireless banking program provided in the wireless terminal 160. And a storage medium 155 for storing intranet service information.

The wireless terminal 160 is a mobile communication terminal operating based on a CDMA (Code Division Multiple Access) stack, a portable Internet terminal operating based on the IEEE 802.16x standard, or a wireless LAN operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one of the terminal, characterized in that the wireless terminal 160 is provided with a wireless banking program 165 for providing a wireless banking service and intranet services for the corporate staff.

According to an embodiment of the present invention, when the wireless terminal 160 is a CDMA stack based mobile communication terminal, the wireless communication network to which the wireless terminal 160 is connected may include the CDMA stack based mobile communication network. According to the intention of the person skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the wireless terminal 160 is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal 160 is connected includes the IEEE 802.16x based portable Internet. It is preferable.

According to another exemplary embodiment of the present invention, when the wireless terminal 160 is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal 160 is connected includes the IEEE 802.11x based wireless LAN. It is preferable.

According to the present invention, the wireless banking program provided in the wireless terminal 160 uses a wireless communication function provided in the wireless terminal 160 to connect a wireless communication network to which the wireless terminal 160 is connected to a predetermined wireless banking server ( 100) to connect a communication channel for providing a wireless banking service for corporate employees.

In addition, the wireless banking program provided in the wireless terminal 160 uses a wireless communication function provided in the wireless terminal 160 to connect a wireless communication network to which the wireless terminal 160 is connected to a predetermined wireless banking server 100. The wireless banking request information is transmitted to the wireless banking server 100 through the communication channel in order to provide a wireless banking service for corporate employees. The wireless banking request information is received. The server 100 performs a ledger-based financial transaction procedure corresponding to the wireless banking request information in connection with a predetermined financial system with reference to at least one or more wireless banking information included in the wireless banking request information.

The wireless banking request information includes employee financial account information established on the financial system in the name of the corporate employee and at least one financial transaction information for processing a predetermined financial transaction using the employee financial account. desirable.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless terminal 160, wherein the financial transaction amount information is from the employee financial account It is preferable to include at least one or more of the amount withdrawn, or the amount deposited into the employee's financial account, and may be omitted (eg, account inquiry transaction) according to the type of financial transaction, thereby limiting the present invention. No.

The wireless banking request information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal 160, wherein the wireless banking authentication information is the employee finance. A security code printed on a security card (e.g., a security card issued to a customer) corresponding to an account password, or a financial transaction password (e.g., a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. Code, or at least two or more security codes).

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested from the wireless terminal 160 to the wireless banking server 100 or 100. .

The wireless banking request information may include at least one or more deposit account information (eg, a deposit account number to which a transfer amount is transferred if a financial transaction type corresponding to the financial transaction code information corresponds to a transfer account transaction). Account information (eg, when the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, etc.), the amount may be further included. Do.

According to the present invention, the wireless banking program 165 provided in the wireless terminal 160 uses a wireless communication function provided in the wireless terminal 160 to connect a wireless communication network to which the wireless terminal 160 is connected to a predetermined intranet. It is characterized in that the communication channel for providing intranet service is connected to the server 125.

In addition, the wireless banking program 165 provided in the wireless terminal 160 uses a wireless communication function provided in the wireless terminal 160 to connect a wireless communication network to which the wireless terminal 160 is connected to a predetermined intranet server 125. In order to provide an intranet service by accessing the network), predetermined intranet service request information is transmitted to the intranet server 125 through the communication channel.

According to an embodiment of the present invention, if the intranet service corresponding to the intranet service request information is an information confirmation service such as a predetermined pay statement confirmation service, a CEO instruction confirmation service, a business instruction and confirmation service, and the like, the intranet server 125 ) Extracts predetermined intranet service information to be transmitted to the wireless terminal 160 in association with a storage medium 155 that stores at least one intranet service information and the like, and extracts the extracted intranet service information through the communication channel. It is preferable to provide to the wireless terminal 160.

According to another exemplary embodiment of the present invention, when the intranet service corresponding to the intranet service request information is an information registration service such as a predetermined corporate bulletin board service and a business reporting service according to the business characteristics of each company, the intranet server 125 It is preferable to generate (or extract) predetermined air interface information for registering the information and provide it to the wireless terminal 160. In response, the wireless banking program 165 provided in the wireless terminal 160 It is preferable to input (or select) predetermined parameter information or customized service registration information through a predetermined air interface corresponding to the air interface information, and transmit the same to the intranet server 125, and then the intranet server 125 Intranet service registration information predetermined low based on the received parameter information It is preferably stored in a medium (155).

According to another embodiment of the present invention, the intranet service corresponding to the intranet service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and predetermined parameter information is included in the received intranet service request information. Alternatively, when the personalized service registration information is included, the intranet server 125 may store the intranet service registration information in a predetermined storage medium 155 based on the received parameter information.

According to the present invention, the wireless banking server 100 connects and manages a wireless banking program provided to the wireless terminal 160 and a communication channel for providing a wireless banking service for the corporate employees through the wireless communication network. It is characterized by comprising a wireless banking interface unit 105.

According to the embodiment of the present invention, a communication channel connected between the wireless banking program unit 165 and the wireless banking server 100 provided in the wireless terminal 160 by the wireless banking interface unit 105 is the wireless channel. Data communication for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, or wireless banking result information) through a financial transaction communication protocol defined between the banking program 165 and the wireless banking server 100. It is preferred to include a channel.

According to the embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted and received through at least one or more encryption method, for this purpose, the wireless banking provided in the wireless terminal 160 Program 165 or the wireless banking server 100 is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted from the wireless banking program 165 included in the wireless terminal 160 to the wireless banking server 100 through the communication channel is attached to the electronic signature of the customer of the wireless terminal 160. Preferably, for this purpose, the wireless banking program 165 provided in the wireless terminal 160 is provided with an electronic signature attachment function for the financial transaction data, and the wireless banking server 100 is provided with respect to the financial transaction data. It is desirable to have a digital signature verification function.

Referring to FIG. 1, the wireless banking server 100 includes an information receiver 110 for receiving at least one or more wireless banking request information from the wireless terminal 160 through the wireless banking interface 105, and the wireless banking server 100. Read at least one financial transaction related information by reading banking request information, and perform a financial transaction procedure corresponding to the financial transaction request information in connection with a predetermined financial system through a predetermined interface means based on the financial transaction related information. Characterized in that it comprises a banking processing unit 115 to perform, in conjunction with the wireless banking interface unit 105 generates the wireless banking result information processed by the banking processing unit 115 to the wireless terminal 160 Characterized in that it further comprises an information transmitting unit 120 to provide.

The information receiving unit 110 is the wireless banking program is driven in the wireless terminal 160, at least one or more wireless banking request information for providing a wireless banking service for the corporate staff through the wireless banking program input (or generated) When the data is transmitted through the wireless communication network, the wireless banking request information transmitted from the wireless terminal 160 is received through the wireless banking interface 105.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption method (eg, a secret key (or symmetric key) encryption method, a public key encryption method, an electronic envelope encryption method, or the like) in the wireless banking program. Or encrypted according to a key exchange encryption scheme, etc.), the information receiver 110 preferably further includes a function of decrypting the encrypted wireless banking request information by a predetermined decryption scheme corresponding to the encryption scheme. Do.

When it is confirmed through the information receiving unit 110 that at least one or more wireless banking request information for providing a wireless banking service for the corporate employee has been received (or received and decrypted), the banking processor 115 transmits the wireless banking request information. And extracting at least one financial transaction related information for providing a wireless banking service to the corporate employee.

According to an embodiment of the present invention, the financial transaction-related information extracted from the wireless banking request information basically includes financial transaction code information, employee financial account information, and wireless banking authentication information. When the financial transaction type corresponding to the information is a financial transaction including at least one cash movement, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (eg, a transfer amount of the bank transfer). It is preferable to further comprise a deposit account number).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processing unit 115 provides a predetermined financial means through a predetermined interface means (eg, an interface connecting the wireless banking server 100 and a financial system). A predetermined financial transaction procedure for providing a wireless banking service to the corporate employee based on the extracted financial transaction related information in connection with a system (eg, a financial system in which an employee financial account corresponding to the employee financial account information is opened). It characterized in that to perform.

The financial system is a general term for a financial computer system in which employee financial accounts corresponding to the employee financial account information are opened. Referring to FIG. 1, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on an account, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); At least one provided in an information system that processes the headquarters business, supports branch information, and manages customer information, interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. Financial instruments (eg, the Internet) King, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc. to access the financial system, or provide a variety of financial transaction interface through at least one common network (eg CD common network, financial common network) The financial system includes an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system, and the respective functions in the components of the financial system. And a DBMS (DataBase Management System) including at least one or more databases for storing and managing predetermined information (for example, ledger information, customer information, or management information) required for performance. .

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

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

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

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system to provide a wireless banking service to the corporate staff based on at least one or more financial transaction-related information for providing a wireless banking service for the corporate staff. Since you will be familiar with an embodiment of performing a financial transaction procedure for, the detailed description thereof will be omitted for convenience.

When the banking processing unit 115 completes a financial transaction procedure for providing a wireless banking service for the corporate employee in connection with the financial system, the information transmission unit 120 records a predetermined financial transaction corresponding to the financial transaction procedure. It generates a wireless banking result information comprising a, and transmits the generated wireless banking result information in conjunction with the wireless banking interface unit 105 to the wireless terminal 160 through the wireless communication network.

According to an embodiment of the present invention, the financial transaction details include a financial transaction approval history for a financial transaction procedure for providing a wireless banking service and an intranet service for the corporate employee, or at least one financial transaction occurring during the financial transaction procedure. It is preferable to include a transaction error history.

The wireless terminal 160 receiving the wireless banking result information from the wireless banking server 100 through the wireless communication network reads the financial transaction details included in the received wireless banking result information through the wireless banking program. The financial transaction history information (for example, financial transaction approval history information or financial transaction error history information) is output to the screen output unit provided in the wireless terminal 160.

According to the present invention, the intranet server 125 connects and manages a wireless banking program 165 provided in the wireless terminal 160 and a communication channel for providing the intranet service through the wireless communication network. It is characterized by comprising (135).

Referring to FIG. 1, the intranet server 125 includes an information receiving unit 20 for receiving at least one or more intranet service request information from the radio terminal 160 through the air interface unit 135, and the intranet service request. An information checking unit 140 for checking at least one intranet service to be read and provided to the employee wireless terminal 160 and an intranet service corresponding to the intranet service request information through the information checking unit 140 are provided. If it is confirmed, the wireless interface providing unit 130 for providing the wireless interface corresponding to the intranet service request information to the wireless terminal 160 in association with the wireless interface unit 135, and the wireless interface providing unit 130 ) Corresponding to the intranet service request information through a wireless interface provided to the wireless terminal 160. Also it characterized in that obtained by having a service processor (145) providing at least one personalized service company.

In addition, the wireless banking server 100 in conjunction with a predetermined employee information D / B (or storage media) to the corporate employee to provide a wireless banking service and intranet services for the corporate employee through the wireless banking program. And an employee certification unit 150 for authenticating the validity, wherein the location of the employee information D / B (or storage medium) is the wireless banking program provided in the corporate employee wireless terminal 160. Through the at least one wireless banking server 100 for providing at least one wireless banking service to the corporate employee through, or at least one or more to the corporate staff through the wireless banking program provided in the corporate employee wireless terminal 160 It is provided in a predetermined intranet server 125 that provides a corporate intranet service or is provided in the enterprise. It is preferably provided on the intranet server 125 side.

When the employee information D / B 850 is provided in the intranet server 125 according to an embodiment of the present invention, the intranet server (in the wireless banking program 165 provided in the wireless terminal 160) 125, if the predetermined employee authentication information is provided, the employee authentication unit 150 authenticates the validity of the employee through the received employee authentication information in connection with the employee information D / B (or storage medium). It is preferable.

In this case, when the validity of the employee is authenticated, the employee authentication unit 150 may further include providing a validity authentication result for the employee to the wireless banking server 100.

According to another exemplary embodiment of the present invention, the employee information D / B (or a storage medium) is provided in the intranet server 125, but is predetermined in the wireless banking program 165 provided in the wireless terminal 160. When providing the employee authentication information to the wireless banking server 100, if the wireless banking server 100 relays the employee authentication information to the intranet server 125, the employee authentication unit 150 is the employee It is preferable to authenticate the validity of the employee through the received employee authentication information in connection with information D / B (or storage medium), and to provide the wireless banking server 100 with the validity authentication result for the employee. .

According to another embodiment of the present invention, although the employee information D / B (or storage medium) is provided in the wireless banking server 100, a predetermined employee in the wireless banking program provided in the wireless terminal 160 is provided. When the authentication information is provided to the intranet server 125, when the employee authentication information is relayed and transmitted from the intranet server 125 to the intranet server 125, the employee information D / from the wireless banking server 100. In connection with B (or a storage medium), the validity of the employee may be authenticated through the received employee authentication information, and the validity authentication result of the employee may be provided to the intranet server 125.

The information receiver 20 operates the wireless banking program 165 in the wireless terminal 160 and requests at least one intranet service for providing an intranet service to the corporate employee through the wireless banking program 165. When the information is input (or generated) and transmitted through the wireless communication network, the intranet service request information transmitted from the wireless terminal 160 is received through the wireless interface unit 135.

When it is confirmed that at least one or more intranet service request information for providing the intranet service to the corporate employee is received through the information receiving unit 20, the information confirming unit 140 corresponds to the enterprise customized service corresponding to the intranet service request information. It is characterized by checking whether the type is an information confirmation service, an information registration service, or an information provision service.

According to an embodiment of the present invention, when the intranet service corresponding to the intranet service request information is an information confirmation service such as a predetermined pay statement confirmation service, a CEO instruction confirmation service, a business instruction and confirmation service, the information confirmation unit ( 140 may provide the received intranet service request information to the service processor 145.

The service processor 145 corresponds to the intranet service request information in association with a storage medium 155 storing at least one intranet service information in order to provide an information confirmation service corresponding to the intranet service request information. Extracting predetermined intranet service information and providing the extracted intranet service information to the wireless terminal 160 through the communication channel.

According to the exemplary embodiment of the present invention, when the intranet service information stored in the storage medium 155 does not include a data structure that can be output through the wireless banking program 145 included in the wireless terminal 160, The customized service processor 1650 may further convert the data structure of the intranet service information extracted from the storage medium 155 into a data structure that can be output through the wireless banking program 165 included in the wireless terminal 160. It is preferable to comprise.

For example, when the encoding method of the character information stored in the storage medium 155 is not compatible with the wireless banking program 165 provided in the wireless terminal, the personalized service processor 1650 may perform the character information. It is preferable to encode to the encoding method that can be output through the wireless banking program 165 provided in the wireless terminal.

Or, if the file format (or compression codec) of the image content or sound content or multimedia content stored in the storage medium 155 is not compatible with the wireless banking program provided in the wireless terminal, the service processor 145 It is preferable to convert the file format (or compression codec) of the image content or sound content or multimedia content into a file format (or compression codec) that can be output through the wireless banking program 145 provided in the wireless terminal.

According to another exemplary embodiment of the present invention, when the intranet service corresponding to the intranet service request information is an information registration service such as a predetermined corporate bulletin board service and a business reporting service according to the business characteristics of each company, the information checking unit 140 ) Provides the received intranet service request information to the air interface providing unit 130.

The wireless interface providing unit 130 generates predetermined wireless interface information that matches a wireless interface for inputting (or selecting) predetermined information corresponding to the intranet service request information in a wireless banking program included in the wireless terminal ( Or extract) and transmit the same to the wireless terminal 160 through the communication channel.

For example, when the information registration service is an enterprise bulletin board service, it is preferable that the air interface information transmitted by the air interface provider 130 to the radio terminal 160 includes the enterprise bulletin board list information.

Alternatively, when the information registration service is a business report service according to the business characteristics of each company, the air interface information transmitted by the wireless interface provider 130 to the wireless terminal 160 is an update procedure of the business report (or It is preferable to include the storage location information according to the payment procedure).

Thereafter, the wireless banking program 145 included in the wireless terminal 160 inputs predetermined parameter information or customized service registration information corresponding to the intranet service request information through a predetermined wireless interface corresponding to the wireless interface information. (Or select) and transmit the data to the intranet server 125, and the predetermined parameter information or the customized service registration information corresponding to the intranet service request information is received through the air interface unit 135. ), The predetermined parameter information or the customized service registration information corresponding to the intranet service request information is provided to the service processor 145.

When predetermined parameter information or customized service registration information corresponding to the intranet service request information is received from the wireless banking program 165 included in the wireless terminal 160, the service processor 145 receives the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 155 based on the description.

According to the exemplary embodiment of the present invention, the personalized service registration information stored in the storage medium 155 corresponding to the information registration service is provided to the wireless terminal 160 of another employee through the information confirmation service, or confirmed At least one corporate terminal provided in the enterprise is confirmed.

According to another embodiment of the present invention, the intranet service corresponding to the intranet service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and predetermined parameter information is included in the received intranet service request information. Alternatively, when the personalized service registration information is included, the information checking unit 140 may provide the received intranet service request information to the service processing unit 145.

When the intranet service request information including predetermined parameter information or customized service registration information is received from the wireless banking program 165 included in the wireless terminal 160, the service processing unit 145 stores the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 155 based on the information.

According to the exemplary embodiment of the present invention, the personalized service registration information stored in the storage medium 155 corresponding to the information registration service is provided to the wireless terminal 160 of another employee through the information confirmation service, or Or at least one or more corporate terminals provided in the enterprise.

According to the present invention, a storage medium used by the wireless interface provider 130 or the service processor 145 provided in the intranet server 125 to provide at least one intranet service corresponding to the intranet service request information ( 155, characterized in that for storing at least one or more enterprise-specific service information registered through a predetermined corporate terminal, or at least one or more intranet service information registered through the wireless terminal 160 of the employee, the storage medium 155 may be provided in the intranet server 125 or may be associated with the intranet server 125, and the present invention is not limited thereto.

According to an embodiment of the present invention, the intranet service information stored in the storage medium 155 may include at least one or more instruction information (eg, CEO instruction confirmation service, business instruction and confirmation service) registered through the corporate terminal. And the employee information (or employee group information) for confirming the instructions, preferably, and the intranet service information including the instruction information and the employee information (or employee group information) is the service processing unit ( 145 is preferably used to provide a predetermined instruction information confirmation service to the at least one employee wireless terminal 160 corresponding to the employee information.

Alternatively, the intranet service information stored in the storage medium 155 may include at least one bulletin board registration information registered through a predetermined corporate terminal, or at least one bulletin board registration information registered through the employee's wireless terminal 160. Preferably, the intranet service information including the bulletin board registration information is used by the service processor 145 to provide a predetermined bulletin board information registration service to at least one or more employee wireless terminals 160. Do.

Alternatively, the intranet service information stored in the storage medium 155 may be formed by linking at least one salary statement information registered through the corporate terminal and the employee information to confirm the salary statement. The intranet service information including the statement information and the employee information is preferably used by the service processor 145 to provide a predetermined salary statement information verification service to the predetermined employee wireless terminal 160 corresponding to the employee information. .

Those skilled in the art to which the present invention pertains, various information configuration for the intranet service information stored in the storage medium 155, and correspondingly, the service processor 145 is the employee wireless terminal 160 As such, various implementation methods for providing at least one or more information confirmation services, information registration services, or information provision services may be inferred, but the present invention is characterized by including all the implementation methods inferred.

2 is a diagram illustrating an employee authentication process for providing a wireless banking service and a corporate intranet service to a corporate employee according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 illustrates that when a predetermined wireless banking program 165 mounted in the corporate employee wireless terminal 160 shown in FIG. 1 is driven, the wireless banking program 165 may provide a predetermined information about the corporate employee. Providing the employee authentication information to the corporate intranet server 125, and in response to the enterprise for providing a wireless banking service and corporate intranet service for corporate employees in the intranet server 125 on the corporate wireless banking system shown in Figure 1 Regarding the process of authenticating the validity of the employee, if a person having ordinary knowledge in the technical field to which the present invention belongs, the employee for providing the banking service and the corporate intranet service to the corporate employee by referring to or modifying the drawing 2 Various implementation methods for the authentication process may be inferred, but the present invention is inferred from the above Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Referring to FIG. 2, the corporate employee wireless terminal 160 shown in FIG. 1 includes a predetermined wireless banking program mounted through a predetermined program providing system to provide a wireless banking service and a customized service for the corporate employee. At step 165, the driving unit 165 is driven.

According to an embodiment of the present invention, the wireless banking program 165 is preferably booted after a predetermined power is input to the wireless terminal 160 and then automatically included in a part of the booting process.

According to another exemplary embodiment of the present invention, after the wireless banking program 165 is booted with a predetermined power input to the wireless terminal 160, the corporate employee selects a predetermined wireless banking menu or wirelessly. It is preferably driven by clicking on the banking related key button.

According to another exemplary embodiment of the present invention, after the wireless banking program 165 is booted with a predetermined power input to the wireless terminal 160, the corporate employee selects a predetermined corporate intranet service menu, Or by clicking a key button related to the corporate intranet service.

When it is confirmed that the wireless banking program 165 is driven as described above (205), the wireless terminal 160 via the wireless banking program 165, the corporate intranet server on the corporate intranet wireless banking system shown in Figure 1 (125), the corporate intranet server 125 provides predetermined employee authentication information (210), the corporate intranet server 125 corresponding to the predetermined employee information D / B (or storage medium) In connection with the employee authentication information through the employee authentication information to validate the validity of the employee (215).

According to an embodiment of the present invention, when the employee information D / B (or storage medium) is provided in the corporate intranet server 125, the wireless banking program 165 provided in the wireless terminal 160 may be used. When providing predetermined employee authentication information to the corporate intranet server 125, the corporate intranet server 125 is connected to the employee information D / B (or storage medium) for the employee through the received employee authentication information It is desirable to authenticate validity.

According to another exemplary embodiment of the present invention, when the employee information D / B (or storage medium) is provided in a separate server (eg, the DB server, etc.) in addition to the corporate intranet server 125, the wireless terminal 160 When the predetermined employee authentication information is provided to the corporate intranet server 125 by the wireless banking program 165 included in the wireless banking program 165, the corporate intranet server 125 is provided with the employee information D / B (or storage medium). And relaying the employee authentication information to a separate server, and receiving the employee authentication result corresponding to the upper employee authentication information from the separate server.

If the validity of the corporate employee is not authenticated (220), the corporate intranet server 125 generates the validity error information for the corporate employee and transmits the validity error information to the wireless terminal 160 (225). The wireless terminal 160 terminates the wireless banking program 165 (230).

If the validity of the corporate employee is authenticated (220), the corporate intranet server 125 generates a validity authentication result for the corporate employee and transmits it to the wireless terminal 160 (235).

According to the implementation method of the present invention, the corporate intranet server 125 preferably transmits a result of validity authentication for the corporate employee to the wireless banking server 100, after which the wireless banking server 100 transmits the enterprise. It is preferable to provide at least one or more wireless banking services to the employees of the enterprise with reference to the result of validity authentication for the employees.

Thereafter, the wireless terminal 160 periodically checks whether a predetermined wireless banking service is provided to the corporate employee through the wireless banking program 165 (240).

According to an exemplary embodiment of the present invention, the corporate employee wireless banking service is preferably provided by the corporate employee by selecting a predetermined wireless banking menu or by clicking a wireless banking related key button.

According to another exemplary embodiment of the present invention, the wireless banking service for the corporate employee may periodically or periodically check the wireless banking program 165 included in the wireless terminal 160 by checking the schedule information stored in the memory unit on the wireless terminal. It is desirable to provide it automatically at a specific date and time.

If the wireless banking service for the corporate employee is provided (245), the wireless terminal 160 through the wireless banking program 165 as shown in Figures 3a and 3b, or Figures 4a and 4b below Provide wireless banking service for corporate employees.

In addition, the wireless terminal 160 periodically checks whether a predetermined corporate intranet service is provided to the corporate employees through the wireless banking program 165 (250).

According to an exemplary embodiment of the present invention, the corporate intranet service is preferably provided by the corporate employee by selecting a predetermined corporate intranet service menu or by clicking a key button related to the corporate intranet service.

According to another exemplary embodiment of the present invention, the corporate intranet service may be configured such that the wireless banking program 165 included in the wireless terminal 160 checks schedule information stored in a memory unit on the wireless terminal periodically or at a specific date and time. It is desirable to provide automatically.

If the corporate intranet service is provided (255), the wireless terminal 160 provides a corporate intranet service through the wireless banking program.

3A and 3B illustrate a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

In more detail, FIGS. 3A and 3B are connected to a corporate intranet server 125 on a customized wireless banking system shown in FIG. 1 through a wireless banking program installed in the wireless terminal 160 shown in FIG. After performing the employee authentication process shown in Figure 2, the wireless terminal 160 for the process of providing a predetermined wireless banking service to the employee through the wireless banking program 165, specifically In the employee authentication process shown in FIG. 2, the corporate employee selects a predetermined wireless banking menu through the wireless banking program 165 to provide wireless banking.

Those skilled in the art to which the present invention pertains can refer to or modify the drawings 3a and 3b to infer various implementation methods for the wireless banking process for the corporate employees, but the present invention can be inferred from the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in Figures 3a and 3b.

3A and 3B, the corporate intranet server 125 and the enterprise intranet server 125 on the enterprise customized wireless banking system illustrated in FIG. 1 are provided through a wireless banking program installed in the radio terminal 160 illustrated in FIG. After performing the employee authentication process shown in Figure 1, when the wireless terminal 160 provides a predetermined wireless banking service to the corporate employee through the wireless banking program 165, the wireless terminal 160 is the wireless The wireless banking server (100) requests the corporate employee financial account information (300) through a banking program (165), and in response thereto, the wireless banking server 100 is the employee from the ledger D / B on the financial system The financial account information is extracted and transmitted to the wireless terminal 160 (305).

According to another embodiment of the present invention, when the employee financial account information is provided in the memory unit provided in the wireless terminal 160 or a predetermined financial IC chip provided in the wireless terminal 160, the wireless terminal ( In step 160, the process of requesting and receiving the corporate employee financial account information from the wireless banking server 100 through the wireless banking program 165 may be omitted. In this case, the corporate employee financial account information may be omitted from the wireless terminal. Extracted from the memory unit provided in the 160 or a predetermined financial IC chip provided in the wireless terminal 160.

Thereafter, the wireless terminal 160 inputs (or selects) at least one or more financial transaction information including the employee financial account information through the wireless banking program 165 (310).

According to the exemplary embodiment of the present invention, the financial transaction information may include predetermined financial transaction amount information according to the financial transaction type to be processed through the wireless banking program 165, wherein the financial transaction amount information Preferably, the amount is withdrawn from the employee's financial account, or at least one of the amount deposited into the employee's financial account, and may be omitted (eg, account inquiry transaction) according to the financial transaction type. The present invention is not limited by this.

In addition, when the financial transaction information to be processed through the wireless banking program 165 is a wire transfer transaction, the financial transaction information may include at least one deposit account information (eg, a financial transaction type corresponding to the financial transaction code information). In the case of a transfer transaction, a deposit account number, etc., to which the money transfer amount is transferred, or virtual account information (for example, a financial transaction type corresponding to the financial transaction code information corresponds to a transaction in which a predetermined amount is transferred to a virtual account). In this case, it is preferable that the amount comprises at least one), such as a virtual account number to be transferred.

If the financial transaction information is input (or selected) (315), the wireless terminal 160 inputs predetermined wireless banking authentication information for processing the non-face-to-face financial transaction through the wireless banking program 165 ( 320).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. Or at least one security code (eg, a security code printed on a security card issued to a customer, or at least two or more security codes), or an OTP code generated through a predetermined OTP generator. .

If the wireless banking authentication information is input (325), the wireless terminal 160 through the wireless banking program 165, at least one or more financial transaction information corresponding to the corporate employee financial account information and the financial transaction type and Generate predetermined wireless banking request information including the wireless banking authentication information (330), and generate the at least one encryption method (eg, secret key (or symmetric key) encryption method, or public key). Encryption processing according to an encryption method, an electronic envelope encryption method, a key exchange encryption method, or the like (335).

According to an exemplary embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information through the wireless communication network. And a data structure corresponding to the communication protocol (or security protocol) defined for transmission to 100).

If the wireless banking request information is encrypted (340), the wireless terminal 160 transmits the wireless banking request information to the wireless banking server 100 through the wireless communication network (345), the wireless banking server ( In operation 100, the wireless banking request information is received through the wireless communication network, and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method (350).

If the wireless banking request information is decoded (355), the wireless banking server 100 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in connection with the financial system (360). .

In the technical field to which the present invention belongs, the wireless banking server 100 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction process is completed (365), the wireless banking server 100 generates predetermined wireless banking result information corresponding to the wireless banking request information in association with the financial system (370), the wireless The wireless banking result information is transmitted to the wireless terminal 160 through a communication network (375), and then the wireless terminal 160 provides at least one or more other wireless banking services through the wireless banking program 165, Or it can provide a corporate intranet service.

4A and 4B illustrate a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

In more detail, FIGS. 4A and 4B are connected to a corporate intranet server 125 on a customized wireless banking system shown in FIG. 1 through a wireless banking program installed in the wireless terminal 160 shown in FIG. After performing the employee authentication process shown in FIG. 2, the wireless terminal 160 is a process for providing a predetermined wireless banking service to the employees of the company through the wireless banking program 165, specifically In the employee authentication process shown in FIG. 2, the wireless banking program 165 is provided with reference to predetermined schedule information stored in a memory unit of the wireless terminal 160. .

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the wireless banking process for the corporate staff by referring to or modifying the drawings 4a and 4b, but the present invention is inferred from the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in Figures 4a and 4b.

4A and 4B, the enterprise intranet server 125 and the enterprise intranet server 125 on the enterprise wireless banking system shown in FIG. 2 are connected to the wireless banking program 165 mounted on the wireless terminal 160 shown in FIG. After performing the employee authentication process shown in FIG. 2, when the wireless banking program 165 provides the wireless banking service for the corporate employee with reference to predetermined schedule information stored in the memory unit of the wireless terminal, The terminal 160 checks at least one or more schedule information from the memory unit through the wireless banking program 165 (400), thereby confirming whether to provide a predetermined wireless banking service for the corporate employee.

If it is confirmed that the predetermined wireless banking service is provided to the corporate employees (405), the wireless terminal 160 stores the wireless banking information stored in the memory unit 755 in association with the schedule information and the schedule information. Extracts the predetermined financial transaction information including the output through the wireless banking program 165, and requests to approve the provision of the wireless banking service for corporate employees through the financial transaction information (410).

According to the exemplary embodiment of the present invention, the financial transaction information output to the wireless banking program 165 includes predetermined financial transaction amount information according to the type of financial transaction to be processed through the wireless banking program 165. Preferably, the financial transaction amount information comprises at least one or more of the amount withdrawn from the employee financial account, or the amount deposited into the employee financial account, it is omitted depending on the type of financial transaction (eg , Account inquiry transaction), by which the present invention is not limited.

The financial transaction information output to the wireless banking program 165 may include at least one deposit account information (eg, the financial transaction code) when the financial transaction to be processed through the wireless banking program 165 is a wire transfer transaction. When the financial transaction type corresponding to the information corresponds to a bank transfer transaction, a deposit account number, etc. to which the bank transfer amount is transferred, or virtual account information (for example, a financial transaction type corresponding to the financial transaction code information is designated as a virtual account). In the case of a transaction for transferring the amount of, it is preferable that the amount comprises at least one), such as a virtual account number to be transferred.

If the provision of the wireless banking service for the corporate employee through the financial transaction information is not approved (415), the wireless terminal 160 is modified by the corporate employee through the wireless banking program (165) (or the financial transaction information) Change), and repeat the process of requesting to approve the provision of the wireless banking service for corporate employees through the modified (or changed) financial transaction information.

On the other hand, if the wireless banking service provision for corporate employees through the financial transaction information is approved (415), the wireless terminal 160 is a predetermined wireless banking authentication for processing non-face-to-face financial transactions through the wireless banking program (165) Enter information (425).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. Or a security code (eg, a security code printed on a security card issued to a customer, or at least two or more security codes), or an OTP code generated through a predetermined OTP generator. .

If the wireless banking authentication information is input (430), the wireless terminal 160 through the wireless banking program 165, at least one or more financial transaction information corresponding to the corporate employee financial account information and the financial transaction type and Generate predetermined wireless banking request information including the wireless banking authentication information (435), and at least one encryption method (eg, secret key (or symmetric key) encryption method, or public key) generated by the generated wireless banking request information. Encryption process according to the encryption method, or the electronic envelope encryption method, or the key exchange encryption method) (440).

According to an exemplary embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information through the wireless communication network. And a data structure corresponding to the communication protocol (or security protocol) defined for transmission to 100).

If the wireless banking request information is encrypted (445), the wireless terminal 160 transmits the wireless banking request information to the wireless banking server 100 through the wireless communication network (450), the wireless banking server The wireless banking request information is received through the wireless communication network, and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method (455).

If the wireless banking request information is decoded (460), the wireless banking server 100 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in association with the financial system (465). .

In the technical field to which the present invention belongs, the wireless banking server 100 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction procedure is completed (470), the wireless banking server 100 generates predetermined wireless banking result information corresponding to the wireless banking request information in association with the financial system (475), the wireless The wireless banking result information is transmitted to the wireless terminal 160 through a communication network (480), and then the wireless terminal 160 provides at least one or more other wireless banking services through the wireless banking program 165, Or it can provide a corporate intranet service.

5 is a diagram illustrating the configuration of an intranet banking system for corporate employees according to an embodiment of the present invention.

In more detail, Figure 5 relates to an intranet banking system for providing intranet banking services for financial transactions, such as bank transfers, through intranets provided to corporate employees, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer various implementation methods for the configuration of the intranet banking system for providing an intranet banking service using the corporate intranet by referring to or modifying the present Figure 5, the present invention provides all the inferred implementation method It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, an intranet banking system for providing an intranet banking service is connected to an intranet server 500 and an intranet, which are used by at least one or more corporate employees, and the intranet banking service function. An employee terminal 565 having a connection with the employee terminal 565 and an intranet is provided, and provides at least one intranet service to the employee terminal 565, employee name, resident registration number, address, telephone number, employee Have an employee D / B that stores employee information, including at least one of a number (or code), insurance number (or code), salary, premium, years worked, job title, department, marital status, family details and employee account Intranet server 500 and an intranet that provides non-face-to-face intranet banking services to corporate employees. A financial system that handles at least one intranet banking-based non-face-to-face financial transactions (eg, banking, loans, new Internet-only products, comment transfers, hard money transfers, etc.) processed by the king server 525 and the intranet banking server 525. Characterized in that comprises a.

The employee terminal 565 may be connected to the intranet server 500 through an intranet, which is a dedicated computer network in a company including a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network, to provide at least one intranet service (eg, E-mail, electronic payment, banking, etc.) is characterized in that it comprises at least one or more.

In addition, the employee terminal 565 is connected to the intranet server 500 through an intranet, which is an in-house dedicated computer network including an IEEE 802.16x based wireless communication network, to provide at least one intranet service (eg, e-mail, electronic payment, And at least one portable Internet terminal for performing banking, etc.).

In addition, the employee terminal 565 is connected to the intranet server 500 through an intranet, which is a dedicated computer network in the company including an IEEE 802.11x based wireless communication network, at least one intranet service (eg, e-mail, electronic payment, And at least one WLAN terminal that executes banking, etc.).

According to the implementation method of the present invention, the intranet banking module 570 provided in the employee terminal 565 is the predetermined intranet banking service (eg, banking, loan, Internet-only products new, comments) at the employee terminal 565. A cryptographic processing function for encrypting the financial transaction request information transmitted to the intranet banking server 525 for a transfer, intercepted money transfer, or the like, or decrypting the financial transaction response information received from the intranet banking server 525. Can be done.

In addition, the intranet banking module 570 attaches an electronic signature to the financial transaction request information transmitted from the employee terminal 565 to the intranet banking server 525 for the employee financial transaction, or the intranet banking server ( And a digital signature function for confirming the electronic signature attached to the financial transaction response information received from the 525.

In addition, the intranet banking module 570 includes a function of generating at least one OTP code included in the financial transaction request information transmitted from the employee terminal 565 to the intranet banking server 525 for the financial transaction. It can be done by.

In addition, the intranet banking module 570 may include an official certificate function for providing the encryption processing function or the electronic signature function, or may be provided in a memory (eg, the employee terminal 565) that stores the public certificate. Memory, or a memory provided in an IC (Integrated Circuit) chip that is read through a predetermined card reader provided in the employee terminal 565).

The intranet server 500 provides at least one intranet banking service (eg, banking, loans, new Internet-only products, comment transfer, condolence remittance, etc.) through the intranet banking module 570 provided in the employee terminal 565. The employee received from the intranet banking module 570 provided in a predetermined employee information D / B for employee certification, and the employee terminal 565 performing the intranet banking service in connection with the employee information D / B Characterized in that it comprises a staff authentication unit 510 for authenticating the employee based on the account information.

According to an embodiment of the present invention, the employee information stored in the employee information D / B includes intranet account information (eg, intranet ID information and intranet password) registered by the employee in the intranet server 500, and the employee information. It is desirable to include predetermined employee personal information.

Here, the employee personal information is employee name, social security number, address, telephone number, employee number (or code), insurance number (or code), salary, premium, years of service, position, department, marital status, family information, employee account It is preferable to include at least one or more.

The employee information stored in the employee information D / B may further include intranet banking subscription information for checking whether the employee has subscribed to a banking service provided by a financial institution associated with the company.

In addition, the employee information D / B can be made by including the employee's unique information, employee personnel information, employee salary information, characterized in that comprises the accessible employee information.

According to an embodiment of the present invention, intranet account information including intranet ID information and intranet password is received from the intranet banking module 570 provided in the employee terminal 565 connected to the intranet server 500 to perform intranet banking. When received, the employee authentication unit 510 compares the intranet account information with the intranet account information provided in the employee information D / B, so that an employee corresponding to the intranet account information includes at least one intranet banking service (eg, Banking, loans, new Internet-only products, comment transfers, condolences, etc.) should be verified as valid employees.

According to an embodiment of the present invention, the intranet account information provided in the intranet account information and the employee information D / B received from the intranet banking module 570 provided to the employee terminal 565 by the employee authentication unit 510. The employee authentication process for comparing the information is preferably performed when the employee terminal 565 logs in to the intranet server 500, and the intranet banking module 570 provided in the employee terminal 565 may be used. In the case of at least one non-face-to-face intranet banking request through the intranet server 500, it is preferable to repeatedly perform the intranet banking request.

In addition, the intranet server 500, through the intranet banking module 570 provided in at least one employee terminal 565, the employee authentication is successful, if the employee authentication through the employee authentication unit 510 is successful. It is preferable to include an intranet operating unit 520 that operates to provide an intranet service including at least one or more of banking, loans, new Internet-only products, comment transfers, and conservative remittances.

Those skilled in the art to which the present invention belongs, the intranet operation unit 520 through at least one or more of the employee terminal 565, banking, loan, Internet-only products new, comment transfer, conservative money transfer at least Since you will be familiar with the technical features of operating to provide an intranet service including one or more, detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the intranet server 500 is connected to the intranet banking server 525 through a predetermined communication means to use an intranet banking service (eg, banking, loan, Internet only) using the company information and employee information. It is provided with a banking operation unit 505 to provide a new product, comment transfer, intercepted remittance, etc.).

The banking operation unit 505, if the employee authentication through the employee authentication unit 510 is successful, the employee account information of the employee (e.g., employee number (or code) of the employee in the employee information D / B Information, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, a user account (ID) of the corporate employee registered with the company (eg, a company server, etc.); Member information including a password, social security number information, employee name information, driver's license number information, insurance number information, fingerprint, hand shape, iris, voice, face, signature, retina of the corporate employee Biometric information including at least one or more of one or more of a vein, DNA (Deoxyribo Nucleic Acid), and a telephone number or terminal for a wireless terminal owned by the corporate employee Wireless terminal information including a serial number, an IC chip mounted on or detached from a wireless terminal owned by the corporate employee or customer-specific information owned and stored on the IC chip owned by the corporate employee, and owned by the corporate employee Information including at least one serial number or unique code information of an IC card) to check whether the user has subscribed to an intranet banking service provided by the financial system provided at a financial institution affiliated with the company. And, if it is confirmed that the employee has subscribed to the intranet banking service, the banking operation unit 505 is connected to the intranet operation unit 520 to the intranet banking module 570 provided in the employee terminal 565 Enable intranet banking.

For example, when a predetermined intranet banking icon or an intranet banking menu is provided on a predetermined user interface of the intranet banking module 570 provided in the employee terminal 565, the banking operation unit 505 may be configured as the intranet operation unit. In connection with 520, it is preferable to activate the intranet banking icon or the intranet banking menu in the intranet banking module 570 provided in the employee terminal 565.

In addition, the banking operation unit 505 is at least one or more through the employee authentication through the employee authentication unit 510 (for example, the intranet banking module 570 provided in the employee terminal 565) When the employee authentication performed when the non-face-to-face intranet banking request is successful), the employee authentication result is transmitted to the intranet banking server 525 through a predetermined communication means.

Here, the employee certification result, the employee number (or code) information of the corporate employee, information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and a password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of a company employee, and a telephone number for a wireless terminal owned by the company employee Or an IC chip mounted on or detached from a wireless terminal information including a terminal serial number and a wireless terminal owned by the company employee; It may be made by including at least one or more customer-specific information owned by the corporate employee and stored in the IC chip, and serial number or unique code information of the IC card owned by the corporate employee customer.

According to the method of the present invention, the intranet banking server 525 is the intranet banking service (eg, banking) based on the employee authentication result received from the banking operation unit 505 provided in the intranet server 500. , Loans, new Internet-only products, comment transfers, condolences, etc.).

The intranet banking server 525 that provides predetermined intranet banking services (eg, banking, loans, new Internet-only products, comment transfers, conservative money transfers, etc.) to the employees is the intranet server 500 through predetermined communication means. Or an interface unit 530 which is communicatively connected to the banking operation unit 505 provided in the communication unit or an intranet banking module 570 provided to the employee terminal 565 through a predetermined network means. have.

The interface unit 530 may include a banking operation unit provided in the intranet server 500 through a communication means including at least one of a dedicated communication network or a secure communication network (eg, a wired / wireless communication network based on an encryption / decryption function). 505) and a communication channel for receiving a predetermined employee authentication result.

Those skilled in the art to which the present invention pertains, the interface unit 530 is a communication channel for receiving a predetermined employee authentication result with the banking operation unit 505 provided in the intranet server 500 Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the banking operation unit 505 encrypts and transmits the employee authentication result using at least one encryption method, the interface unit 530 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted employee authentication result.

Alternatively, when the banking operation unit 505 transmits an electronic signature attached to the employee authentication result, the interface unit 530 may further include a function of checking the electronic signature attached to the employee authentication result. Do.

Alternatively, when the banking operation unit 505 transmits a predetermined OTP code to the employee authentication result, the interface unit 530 further includes a function of checking the OTP code included in the employee authentication result. It is preferable to make.

In addition, the interface unit 530 may include at least one non-face-to-face requested by the intranet banking module 570 provided in the employee terminal 565 from the intranet server 500 through a network means including at least one wired or wireless communication network. Receive financial transaction request information (e.g., banking, loan, new Internet-only products, comment transfer, financial remittance, etc.) using financial information for financial transactions, or the intranet server ( 500) financial transaction response information corresponding to the financial transaction request information (e.g., banking, loans, new Internet-only products, comment transfer, financial transaction response information corresponding to hard wire transfer processing, etc. using the company information and employee information). Connect and manage financial transaction channels for transmitting.

Those skilled in the art to which the present invention belongs, the interface unit 530 from the intranet server 500 financial transaction request information for at least one or more non-face-to-face financial transactions (eg, the company information and employees Financial transaction request information such as banking, loans, new Internet-only products, comment transfers, and conservative remittances using information), or the financial transaction request information to the employee terminal 565 through the intranet server 500. A financial transaction channel for transmitting financial transaction response information (e.g., banking, loans, new Internet-only products, comment transfers, financial transaction response information corresponding to hard wire transfer processing, etc.) using the company information and employee information. Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the intranet banking module 570 provided in the employee terminal 565, through the intranet server 500, the financial transaction request information (for example, banking using the company information and employee information, Lending, new Internet-only products, financial transaction request information such as comment transfers, hard payments, etc.) when the encrypted information is transmitted using at least one or more encryption methods, the interface unit 530 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted financial transaction request information.

Or, the intranet banking module 570 provided in the employee terminal 565 through the intranet server 500 through the financial transaction request information (eg, banking, loan, Internet-only products using the company information and employee information) In the case where the electronic signature is attached to the financial transaction request information such as a comment transfer, a money transfer, etc.), the interface unit 530 further includes a function of confirming the electronic signature attached to the financial transaction request information. desirable.

Or, the employee terminal 565 to the financial transaction request information (e.g., banking, loan, Internet-only products new, comment transfer, such as the financial transaction request information, such as interrogation remittance using the company information and employee information) When the transmission through the intranet server 500 including the OTP code, the interface unit 530 preferably further includes a function for checking the OTP code included in the financial transaction request information.

According to another exemplary embodiment of the present invention, a financial transaction corresponding to the financial transaction request information from the intranet banking server 525 to the intranet banking module 570 provided in the employee terminal 565 through the intranet server 500. When the response information is encrypted and transmitted by at least one encryption method, the interface unit 530 preferably further includes a function of encrypting the financial transaction response information by a predetermined encryption method.

Alternatively, the digital signature is attached to the financial transaction response information corresponding to the financial transaction request information from the intranet banking server 525 to the intranet banking module 570 provided in the employee terminal 565 through the intranet server 500. In the case of transmitting by using, the interface unit 530 preferably further includes a function of attaching an electronic signature to financial transaction response information.

According to the present invention, the intranet banking server 525 includes an information receiver 540 for receiving a predetermined employee authentication result from the intranet server 500 through the communication means in association with the interface unit 530. Characterized in that made.

In addition, the information receiving unit 540 is an intranet banking service using the company information and the employee information from the intranet banking module 570 to the employee terminal 565 through the network means in association with the interface unit 530 (eg, , Banking, lending, new Internet-only products, comment transfer, conservative remittance, etc.) for receiving intranet banking customer authentication information, characterized in that it receives predetermined non-face-to-face financial transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the intranet banking customer for intranet banking ID / PW information, or certificate information, or non-face-to-face financial transactions for non-face-to-face financial transactions using the company information and employee information. At least one predetermined security card information, or OTP code generated through the OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

In addition, the non-face-to-face financial transaction authentication information, the employee number (or code) information of the company employee, information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, and the company (E.g., member information including a user account (ID) and password of a corporate employee registered in a company (intranet) server, etc.), social security number information of the corporate employee, employee name information, driver's license number information, Insurance number information, biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and DNA (Deoxyribo Nucleic Acid) of the corporate employee, The wireless terminal information including the telephone number or the terminal serial number for the wireless terminal and the wireless terminal owned or owned by the company employee. This complex is an IC chip or the company employees may be owned and including customer-specific information, and the company employees of the customer IC card owned by a serial number or unique code information for at least one stored in the IC chip.

According to the method of the present invention, the non-face-to-face financial transaction authentication information is received from the intranet banking module 570 provided in the employee terminal 565 via the intranet server 500 (eg, the Banking, loans, new Internet-only products, comment transfers, and requests for financial transactions, such as interrogative remittances, etc., using company information and employee information, etc.) are preferably received (or applied).

In addition, the information receiving unit 540 uses the company information and employee information from the intranet banking module 570 provided in the employee terminal 565 through the network means in connection with the interface unit 530. , The financial transaction request information for financial transaction request information such as new Internet-only products, comment transfers, and intercepted remittances.

According to an embodiment of the present invention, when the financial transaction is a bank transfer, the bank transfer financial transaction request information may include employee account information corresponding to the employee (or predetermined unique information allocated to identify the intranet banking customer). Unique code), etc.) and at least one account transfer financial transaction information input through an employee-linked account information for non-face-to-face intranet banking and a user interface for non-face-to-face account transfer using the employee information. Characterized in that it is made, including the above, the bank transfer financial transaction request information may be attached or encrypted by a predetermined electronic signature by the intranet banking module 570 provided in the employee terminal 565.

For example, the at least one financial transaction information input through a user interface for non-face-to-face financial transactions (eg, in the case of bank transfer) using the company information and employee information may include predetermined account transfer amount information and the employee linked account. It may include at least one or more withdrawal account information, the withdrawal account password, the withdrawal account information, the deposit account information with which the bank transfer amount is to be deposited, and the deposit bank information with which the deposit account is opened. .

For example, the at least one account transfer financial transaction information input through a user interface for non-face-to-face account transfer using the employee information, etc., may be withdrawn from the predetermined amount of money transfer and the account transfer amount among the employee linked accounts. It is preferable to include at least one withdrawal account information, the withdrawal account password, and at least one depositing side employee account information corresponding to the employee who will receive the deposit amount.

The intranet banking server 525 has a customer authentication unit 545 for authenticating the validity of the intranet banking customer through the non-face-to-face financial transaction authentication information received from the employee terminal 565 through the information receiving unit 540. Characterized in that made.

According to the present invention, the non-face-to-face financial transaction authentication information is predetermined financial transaction request information (for example, financial transaction request information such as banking, loans, new Internet-only products, comment transfers, and interrogation remittances using the company information and employee information). Etc.), the customer authentication unit 545 receives the financial transaction request information (eg, through the non-face-to-face financial transaction authentication information included in (or applied to) the financial transaction request information). Confidentiality, Authentication, and Integrity of non-face-to-face financial transactions corresponding to banking, loans, new Internet-only products, comment transfers, and request for financial transactions using the company information and employee information) (Integrity) and Nonrepudiation.

When non-face-to-face financial transaction authentication information including intranet banking ID / PW information is received through the information receiving unit 540, the customer authentication unit 545 receives the received intranet banking ID / PW information and the storage medium. By comparing the ID / PW information for intranet banking included in the employee information stored in the information, the intranet banking customer is validated or the financial transaction request information (eg, banking, loan, Internet using the company information and employee information). Confidentiality, authentication, integrity, and non-repudiation of non-face-to-face financial transactions corresponding to new products, transfer of comments, and request for financial transactions such as hard money transfers can be secured.

In addition, the information encrypted through the at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 565 through the information receiving unit 540. When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 545 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, or a public key) corresponding to the encryption key. Validation of the intranet banking customer, or to the financial transaction request information (e.g., banking, loans, new Internet-only products, comment transfers, financial remittance request information, etc.) using the company information and employee information. Confidentiality, authentication, integrity and nonrepudiation of the corresponding non-face-to-face financial transactions can be secured.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking customer is received through the information receiving unit 540, the customer authentication unit 545 receives the reception. By comparing the secured card information and the secured card information included in the customer information stored in the storage medium, the validity of the intranet banking customer, or the financial transaction request information (for example, account transfer using the employee information). Confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to wire transfer financial transaction request information).

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the intranet banking customer is received through the information receiving unit 540, the customer authentication unit 545 is provided to the storage medium. By generating a predetermined OTP code based on the OTP code generation information included in the stored customer information, and comparing the generated OTP code and the received OTP code, to validate the intranet banking customer, or the financial transaction Confidentiality, authentication, integrity, and non-face-to-face financial transactions corresponding to the requested information (e.g., banking, loans, new Internet-only products, comment transfers, and financial remittance requests, etc.) using the company information and employee information. Non repudiation can be secured.

Meanwhile, referring to FIG. 5, the intranet banking server 525 includes a banking processor 550 for processing non-face-to-face financial transactions corresponding to the financial transaction request information received through the information receiver 540, and the banking processor. In order to process the non-face-to-face financial transaction corresponding to the financial transaction request information, the 550 inquires at least one or more general ledger information from the general ledger D / B provided in the financial system, or the banking processing unit ( When the non-face-to-face financial transaction is processed by 550, the ledger processor 555 generates ledger information corresponding to the non-face-to-face financial transaction through a predetermined interface means and stores the ledger information in the ledger D / B provided in the financial system. By generating the financial transaction response information including the non-face-to-face financial transaction results corresponding to the financial transaction request information through the interface unit 530 The intranet server 500 may further include an information transmission unit for transmitting the employee terminal 565 to the intranet banking module 570.

A predetermined intranet member authentication result is received from the intranet server 500 through the information receiver 540, and is provided in the employee terminal 565 corresponding to the intranet member authentication result through the information receiver 540. When the financial transaction request information is received from the intranet banking module 570 (eg, financial transaction request information such as banking, loans, new Internet-only products, comment transfer, and condolence money transfer using the company information and employee information), The banking processor 550 requests the ledger processor 555 for a financial transaction corresponding to the financial transaction request information.

For example, in response thereto, the ledger processing unit 555 receives the requested financial transaction from the ledger corresponding to the intranet linked account (or customer account) from the ledger D / B provided in the financial system through a predetermined interface means. The information transmitter 535 may generate financial transaction response information including a financial transaction processing result corresponding to the financial transaction request information and transmit the generated financial transaction response information to the intranet server 500 through the interface unit 530. It is characterized by.

Here, the intranet server 500 transmits the financial transaction response information including the financial transaction result corresponding to the received financial transaction request information to the intranet banking module 570 provided in the employee terminal 565.

A predetermined intranet member authentication result is received from the intranet server 500 through the information receiving unit 540, and the employee is received from the employee terminal 565 corresponding to the intranet member authentication result through the information receiving unit 540. Financial transaction request information using the information (for example, banking, loans, new Internet-only products, comment transfer, financial remittance request information, etc. using the company information and employee information) is received, the customer authentication unit ( If the non-face-to-face financial transaction authentication information corresponding to the financial transaction request information is normally authenticated by 545, the banking processor 550 may perform a financial transaction procedure corresponding to the financial transaction request information.

Those skilled in the art of the present invention will be familiar with the technical features of the ledger processing process for withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 555 withdraws the account transfer amount and the account transfer fee corresponding to the financial transaction (for example, transfer) from the withdrawal account and deposits the ledger information into the deposit account. It generates and stores in the ledger D / B provided in the financial system through the predetermined interface means, the information transmission unit 535 is the bank transfer financial transaction request information (or financial product subscription application information) And generating an account transfer financial transaction response information including the result of non-face-to-face financial transaction corresponding to) and transmitting it to the intranet banking module 570 provided in the employee terminal 565 through the interface unit 530. do.

According to another exemplary embodiment of the present invention, the financial transaction request information (for example, banking, loan, new Internet-only product, comment transfer, and financial transaction request information such as hard wire transfer using the company information and employee information, etc.) is included. In the case where the transfer amount information, the withdrawal account information to be withdrawn from the intranet linked account, the withdrawal account password, and at least one account information for depositing the transfer amount, The banking processor 550 extracts the depositing side intranet linked account information stored in association with the depositing side intranet account information in association with the storage medium.

If at least two extracted deposit side intranet linked accounts are included (or at least two deposit side intranet linked accounts are not designated for depositing), the banking processing unit 550 may execute the employee terminal 565. By providing the extracted deposit side intranet linked account information to the intranet banking module 570 provided in the request, requesting to select a predetermined deposit side intranet linked account to be deposited, the information receiving unit 540 The selected payment side intranet linked account information is received from the intranet banking module 570 provided in the employee terminal 565.

At this time, since the received payment side intranet linked account information will be a financial account opened in the bank, the banking processing unit 550 corresponds to the deposit account information in connection with the financial system through the ledger processing unit 555. It is advisable to check if a financial account is opened.

The banking processor 550 may include the banking processor 550 when the financial transaction request information includes at least one deposit account information for depositing an account transfer amount and at least one deposit bank information in which the deposit account is opened. It is preferable to check the account ledger corresponding to the withdrawal account information through the ledger processing unit 555 to check whether the amount corresponding to the money transfer amount is deposited in the withdrawal account, or the ledger processing unit 555 It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information through.

Thereafter, the banking processing unit 550 calculates a predetermined account transfer fee for withdrawing the account transfer amount from the withdrawal account and depositing it into the deposit account, and the account transfer amount and the account transfer to the ledger processing unit 555. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

As those skilled in the art to which the present invention pertains, they will be familiar with the technical features of the ledger process of withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 555 generates ledger information corresponding to the financial transaction, and stores the ledger information in the ledger D / B provided in the financial system through the predetermined interface means. The information transmitter 535 may generate financial transaction response information including a non-face-to-face financial transaction result corresponding to the financial transaction request information and transmit the generated financial transaction response information to the intranet server 500 through the interface unit 530. The intranet server 500 transmits the information to the intranet banking module 570 provided in the employee terminal 565.

Referring to FIG. 5, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

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

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

According to the implementation method of the present invention, the external system of the financial system is connected to the intranet banking server 525 through the interface means at least one or more non-face-to-face financial transaction processing function (required from the intranet banking server 525) For example, it is preferable to include an intranet banking unit for performing the ledger inquiry, or ledger information storage.

Referring to FIG. 5, the financial system may be connected to the intranet banking server 525, and may be connected to at least one employee terminal 565 connected to a predetermined wired / wireless communication network through the intranet banking server 525. It is desirable to provide a non-face-to-face financial transaction service to at least one intranet customer (employee) through the provided intranet banking module 570.

6 is a diagram illustrating an employee certification process for non-face-to-face banking of corporate employees according to an embodiment of the present invention.

In more detail, Figure 6 uses at least one intranet banking module (570) installed in the employee terminal 565 shown in Figure 1, at least one intranet banking service (for example, banking, loans, Internet-only products new, comment transfer , An employee's certification process for performing a congratulatory remittance, etc., and a person having ordinary knowledge in the technical field to which the present invention belongs, to provide an intranet banking service to the employees of the enterprise by referring to or modifying the drawing 6. Various implementation methods for the employee certification process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 6, a predetermined employee inputs the employee intranet account information through a terminal and transmits it to the intranet server 500 shown in FIG. 5 (600).

Thereafter, the intranet server 500 compares the intranet account information received from the employee terminal 565 with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (605).

If the validity of the employee is not authenticated through the intranet account information (eg, the intranet account information received from the employee terminal 565 does not match the intranet account information stored in the employee information D / B) (610) ), The intranet server 500 generates a predetermined employee error result and transmits it to the employee terminal 565 (615). In response, the terminal outputs a valid authentication failure message, and the intranet banking service ( For example, banking, loans, new Internet-only products, comment transfers, condolences, etc. are not provided.

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, if the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) 610, the intranet server ( In step 620, the employee information associated with the intranet account information is read to determine whether the employee is a customer capable of intranet banking (620).

According to the implementation method of the present invention, the intranet server 500 is processed in connection with the intranet account information to confirm the intranet banking subscription information stored in the employee information D / B, so that the employee information is available to the intranet banking It is a good idea to verify that you are a registered customer.

If the employee is not an intranet banking customer (625), the server is the employee authentication result (e.g., information that authenticates that the employee is a valid member to receive at least one intranet service through the terminal). Generate and transmit to the terminal (630), and correspondingly the terminal activates at least one intranet function provided by the intranet server 500 (635).

On the other hand, if the employee is identified as a customer capable of intranet banking (625), the server is the employee authentication result (for example, the employee can receive at least one intranet service through the terminal, including the intranet account information) Information to authenticate valid membership) is generated and transmitted to the intranet banking server 525 (640), and the intranet banking server 525 stores the employee authentication result in a predetermined storage medium (645).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 525 may include non-face-to-face banking using at least one or more employee information from the widget provided in the terminal to the intranet banking server 525. , Banking, loans, new Internet-only products, comment transfers, conservative remittances, etc.), it is desirable to be used as information to authenticate the validity of the employee.

Thereafter, the intranet server 500 includes the intranet banking subscription (registration) information in the employee authentication result, and transmits the employee authentication result and the accessible employee information to the terminal (650). The terminal activates at least one or more intranet functions (eg, e-mail, electronic payment, banking, financial product information, etc.) provided by the intranet server 500, and also the intranet banking subscription information (employee information registration information) and The intranet banking function of the intranet function is activated based on the accessible employee information (655).

7 is a diagram illustrating an employee certification process for non-face-to-face banking using a widget according to another embodiment of the present invention.

In more detail, Figure 7 uses at least one intranet banking module (570) installed in the employee terminal 565 shown in Figure 1, at least one intranet banking service (for example, banking, loans, Internet-only products new, comment transfer , An employee's certification process for performing a congratulatory remittance, etc., and a person having ordinary knowledge in the technical field to which the present invention belongs, provides an intranet banking service to the employees of the enterprise by referring to or modifying the drawing 7. Various implementation methods for the employee certification process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Those skilled in the art to which the present invention pertains may refer to or modify the drawing 7 to provide a non-face-to-face intranet banking service for the employee D / B (or storage medium). When stored in the ledger D / B, or stored in a predetermined database associated with the ledger D / B, various implementations to check whether the employee is an intranet banking customer in connection with the employee D / B (or storage medium) The method may be inferred, and the present invention is characterized in that it comprises all the methods of inference.

Referring to FIG. 7, a predetermined employee executes / drives an intranet banking module 570 provided in a terminal, and then inputs the employee intranet account information through a predetermined account input interface to display the intranet server shown in FIG. Transmit to 500 (700).

Thereafter, the intranet server 500 compares the intranet account information received from the employee terminal 565 with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (705).

If the validity of the employee is not authenticated through the intranet account information (eg, the intranet account information received from the employee terminal 565 does not match the intranet account information stored in the employee information D / B) 710 ), The intranet server 500 generates a predetermined employee error result and transmits the result to the employee terminal 565 (715). In response, the terminal (intranet banking program provided in the terminal) receives a validation failure message. The screen is output and ends without providing the intranet banking service (for example, banking, loan, new Internet-only product, comment transfer, hard money transfer, etc.).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, when the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) 710, the intranet server ( 500 generates an intranet employee authentication result including the intranet account information and transmits the result to the intranet banking server 525 (720).

Correspondingly, the intranet banking server 525 checks whether intranet account information matching the intranet account information is stored in the storage medium, so that the employee is registered as an intranet banking (financial transaction using employee information) customer. Check (725).

Herein, the intranet account information includes employee number (or code) information of the corporate employee, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and a password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of a company employee, and a telephone number for a wireless terminal owned by the company employee Or an IC chip mounted on or detached from a wireless terminal information including a terminal serial number and a wireless terminal owned by the company employee. It is characterized in that it comprises the corporate employees owned and customer-specific information, and the company employees customer owns the serial number of the IC card or the specific code information for at least one stored in the IC chip.

According to an embodiment of the present invention, if the intranet banking server 525 is confirmed that the intranet account information matching the intranet account information is stored in the storage medium, the intranet banking customer of the financial institution that the employee is associated with the company It is desirable to make sure that you are subscribed to.

If the employee is not subscribed as an intranet banking customer (730), the intranet banking server 525 generates intranet banking non-subscription information for the intranet account information and transmits it to the intranet server 500 (735).

Thereafter, the intranet server 500 generates and transmits the employee authentication result (for example, information for authenticating that the employee is a valid member who can receive at least one intranet service through the terminal) and transmits the result to the terminal (740). In response, the terminal activates at least one intranet function (eg, e-mail, electronic payment, etc.) provided by the intranet server 500 (745).

On the other hand, if the employee is registered as an intranet banking customer (730), the intranet banking server 525 provides the at least one intranet service through the employee authentication result (for example, the intranet banking program provided by the employee in the terminal). Information certifying that a valid member can be received) is stored in a predetermined storage medium (750).

Thereafter, the intranet banking server 525 generates intranet banking subscription information for the intranet account information and transmits the intranet banking subscription information to the intranet server 500 together with the identified accessible employee information (755).

According to an embodiment of the present invention, the employee authentication result and employee information stored in the intranet banking server 525 may be used when the non-face-to-face banking request using at least one intranet from the terminal to the intranet banking server 525 is performed. It is desirable to be used as information to authenticate the validity of employees.

In addition, the employee authentication results and accessible employee information stored in the banking server, at least one request for non-face-to-face financial transactions, such as banking, loans, new Internet-only products, comment transfers, interrogation remittance, etc. from the terminal to the banking server It is preferable that the non-face-to-face financial transaction authentication information is used as information for approving the processing of the requested non-face-to-face financial transaction.

Thereafter, the intranet server 500 includes the intranet banking subscription information in the employee authentication result and transmits the received information to the terminal (760), and correspondingly, the terminal provides at least one or more intranets provided by the intranet server 500. It activates a function (eg, e-mail, electronic payment, banking, financial product information, etc.), and also activates the intranet banking function based on the intranet banking subscription information and employee information (765).

8 is a diagram illustrating a non-face-to-face financial transaction authentication process for non-face-to-face banking using an intranet according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that the intranet banking function is activated through the employee terminal 565 connected to the intranet server 500 after performing the employee authentication process as shown in FIG. 6 or 7. The present invention relates to performing a non-face-to-face financial transaction authentication process for processing the predetermined non-face-to-face financial transaction (eg, account transfer using employee information) based on the activated intranet banking function. Those skilled in the art will be able to infer various implementation methods for the non-face-to-face financial transaction authentication process for non-face-to-face banking by referring to or modifying the drawing of FIG. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, when a predetermined employee selects an intranet banking icon or an intranet banking menu corresponding to an intranet banking function activated through a process shown in FIG. 6 or 7 through a predetermined terminal (800), The terminal (intranet banking program provided in the terminal) outputs at least one intranet banking item selection user interface and checks whether a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (805).

According to an embodiment of the present invention, the intranet banking item selection user interface that is output before the non-face-to-face financial transaction authentication process is performed is selected from among at least one intranet banking item corresponding to non-face-to-face banking using the employee information. Intranet banking items that can be processed after performing the non-face-to-face financial transaction authentication process shown in FIG. 8 are preferably deactivated.

For example, the intranet banking item selection user interface that is output before the non-face-to-face financial transaction authentication process is performed includes a predetermined non-face-to-face financial transaction authentication information input item and an employee authentication result shown in FIG. 6 or 7. It is preferable that only intranet banking items corresponding to non-facing non-face-to-face financial transactions (eg, account inquiry, etc.) that can be handled only are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (810), the terminal enters a non-face-to-face non-face-to-face financial transaction that can be processed only by the employee authentication result shown in FIG. 6 or 7. The corresponding intranet banking item may be checked, and the non-face-to-face financial transaction authentication process is terminated (815).

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (810), the terminal outputs at least one or more non-face-to-face financial transaction authentication information input user interface, and at least one or more through the user interface. It is checked whether non-face-to-face financial transaction authentication information is input (825).

Here, the non-face-to-face financial transaction authentication information may be ID / PW information for intranet banking for the non-face-to-face financial transaction, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, Or at least one OTP code generated through an OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (830), the terminal inputs the intranet account information and the user interface input through the process illustrated in FIG. 6 or 7. At least one non-face-to-face financial transaction authentication information is transmitted to the intranet banking server 525 through the intranet server 500 (835).

According to another embodiment of the present invention, in place of the intranet account information, the intranet banking server 525 may include predetermined unique information (or unique code) assigned to identify the intranet banking customer. The present invention is not limited.

For example, the unique information (or unique code), the employee number (or code) information of the company employee, the information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, Member information including a user account (ID) and password of the company employee registered in the company (e.g., company server, etc.), social security number information of the company employee, employee name information, driver's license number information, insurance number Information, biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee, and a wireless terminal owned by the company employee. Wireless terminal information, including telephone number or terminal serial number for, and I mounted on or detached from the wireless terminal owned by employees of the company The C chip or the company employee owned and stored in the IC chip, the customer unique information, and the serial number or unique code information of the IC card owned by the company employee customer characterized in that it comprises at least one.

Thereafter, the intranet banking server 525 reads the employee authentication result stored in the intranet banking server 525 based on the intranet account information to read the non-face-to-face financial transaction. The validity of the employee who transmitted the authentication information is checked (840).

If the validity of the employee who transmits the non-face-to-face financial transaction authentication information is not confirmed (840), the intranet banking server 525 generates predetermined non-face-to-face financial transaction authentication error result information and the intranet server 500 In operation 845, the terminal deactivates the intranet banking item corresponding to the non-face-to-face financial transaction authentication error result information (850).

If the validity of the employee who transmitted the non-face-to-face financial transaction authentication information is confirmed (840), the intranet banking server 525 uses the intranet banking customer (or the employee information) through the non-face-to-face financial transaction authentication information. Non-face-to-face banking) (855).

When the non-face-to-face financial transaction authentication information including the intranet banking ID / PW information is received from the terminal through the intranet server 500 according to an embodiment of the present invention, the intranet banking server 525 receives the received intranet. By comparing the ID / PW information for banking with the ID / PW information for intranet banking included in the customer information stored in the storage medium, the intranet banking customer is authenticated or confidentiality for non-face-to-face banking using the employee information. It is desirable to ensure authentication, integrity, and nonrepudiation.

In addition, from the terminal through the intranet server 500 through the at least one encryption key (for example, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 565 When the non-face-to-face financial transaction authentication information including the received information is received, the intranet banking server 525 uses a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. By decrypting, it is desirable to secure the validity of the intranet banking customer or to secure confidentiality, authentication, integrity and nonrepudiation for non-face-to-face banking using the intranet.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking customer is received from the terminal through the intranet server 500, the intranet banking server 525 is received. By comparing the received security card information and the security card information contained in the customer information stored in the storage medium, the validity of the intranet banking customer, or confidentiality, authentication, and non-face-to-face banking using the employee information It is desirable to ensure integrity and nonrepudiation.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the intranet banking customer is received from the terminal, the intranet banking server 525 is included in the customer information stored in the storage medium. Generate a predetermined OTP code based on the generated OTP code generation information, and compare the generated OTP code with the received OTP code, thereby validating the intranet banking customer or non-face-to-face banking using the employee information. It is desirable to ensure confidentiality, authentication, integrity, and nonrepudiation.

If the validity of the intranet banking customer (or non-face-to-face banking using the employee information) is not authenticated through the non-face-to-face financial transaction authentication information (860), the intranet banking server 525 may perform a predetermined non-face-to-face financial transaction. The authentication error result information is generated and transmitted to the terminal through the intranet server 500 (845). In response, the terminal deactivates the intranet banking item corresponding to the non-face-to-face financial transaction authentication error result information (850). ).

On the other hand, if the validity of the intranet banking customer (or non-face-to-face banking using the intranet) is authenticated through the non-face-to-face financial transaction authentication information (860), the intranet banking server 525 is a predetermined non-face-to-face financial transaction authentication approval result Information is generated and transmitted to the terminal through the intranet server 500 (865), and in response, the terminal activates an intranet banking item corresponding to the non-face-to-face financial transaction authentication approval result information (870).

9A, 9B and 9C illustrate a process of providing a non-face-to-face intranet banking service using an intranet according to an exemplary embodiment of the present invention.

9a, 9b, and 9c, the non-face-to-face financial transaction authentication process is performed through the process shown in FIG. 8, and the employee terminal 565 corresponds to the non-face-to-face financial transaction authentication approval result information. When the account transfer financial transaction item of the intranet banking item is activated, a process of processing a non-face-to-face account transfer financial transaction using employee information based on the activated account transfer financial transaction item, specifically, the drawing In the intranet banking program provided in the employee terminal 565 shown in 5 to input the account transfer financial transaction information including at least one of the transfer amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information. The present invention relates to a method of processing the wire transfer financial transaction based on a user interface.

Those skilled in the art to which the present invention pertains, various methods of implementing a non-face-to-face intranet-based account transfer financial transaction process using a corporate intranet by referring to or modifying the drawings 9a, 9b and 9c. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 9A, 9B, and 9C.

9A, 9B, and 9C, a predetermined employee selects an intranet banking icon or an intranet banking menu corresponding to an intranet banking function activated through a process shown in FIG. 6 or 7 through a predetermined terminal. In operation 900, the terminal checks whether the non-face-to-face financial transaction authentication information is approved through the process illustrated in FIG. 8 through the non-face-to-face financial transaction authentication process.

If the non-face-to-face financial transaction authentication information is not approved (910), the terminal outputs at least one intranet banking item selection user interface as shown in FIG. 8, and the non-face-to-face financial transaction is displayed through the user interface. The process of authenticating authentication information is performed.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (810), the terminal outputs the non-face-to-face financial transaction authentication-based intranet banking item selection user interface, and the predetermined non-face-to-face financial transaction authentication through the user interface In step 915, the base intranet banking item is selected.

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based intranet banking items, all types of non-face-to-face financial transactions that can be provided through the financial system, such as banking, loans, new Internet-only products, comment transfers, hard wire transfers, etc. It is preferable to comprise.

If a predetermined non-face-to-face financial transaction authentication-based intranet banking item is selected through the user interface (920), the terminal generates an intranet linked account (employee account) information request information including the intranet account information (925). .

According to another embodiment of the present invention, in place of the intranet account information, the predetermined information (or unique code) assigned by the server to identify the intranet banking customer is included in the process shown in FIG. 6 or 7. The present invention is not limited thereto.

Here, the unique information (or unique code), the employee number (or code) information of the company employee, the information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, Member information including a user account (ID) and password of the company employee registered in the company (eg, a company server, etc.), social security number information of the company employee, employee name information, driver's license number information, insurance Biometric information including number information, at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the company employee, and wireless data owned by the company employee. Wireless terminal information including a telephone number or terminal serial number for the terminal, and I mounted on or detached from the wireless terminal owned by the employees of the company The C chip or the company employee owned and stored in the IC chip, the customer unique information, and the serial number or unique code information of the IC card owned by the company employee customer characterized in that it comprises at least one.

Thereafter, the terminal transmits the intranet linked account information request information to the intranet banking server 525 through the intranet server 500 (930).

According to an exemplary embodiment of the present invention, the intranet linked account information request information is attached or encrypted through an intranet banking module 570 provided in the terminal, so that the intranet banking server is connected through the intranet server 500. 525 may be transmitted, and correspondingly, the intranet banking server 525 may decrypt the intranet linked account information request information and confirm an attached electronic signature, and may be able to verify general knowledge in the technical field to which the present invention pertains. If you have, you will be familiar with the technical features of the encryption / decryption function and the digital signature function, a detailed description thereof will be omitted for convenience.

Thereafter, the intranet banking server 525 checks the intranet linked account information stored in the storage medium through the intranet account information included in the intranet linked account information request information from the storage medium and the intranet linked account information. To transmit to the terminal via the intranet server 500 (935).

According to another exemplary embodiment of the present invention, when the intranet linked account (customer financial account) is one or the intranet linked account information is included in the intranet banking module 570, the intranet banking server (at the terminal) The process of requesting the intranet linked account information to the terminal 525, and correspondingly, checking the intranet linked account information from the intranet banking server 525 and transmitting the information to the terminal may be omitted, thereby limiting the present invention. No.

Thereafter, the terminal selects predetermined withdrawal account information from the received intranet linked account information through the intranet server 500 and transfers a non-face-to-face account to the intranet banking server 525 using the employee information. Output a financial transaction (eg, bank transfer, etc.) information input user interface including at least one or more of a bank transfer amount, a withdrawal account password, a deposit account information, and a deposit bank information for requesting a financial transaction (940); Based on the wire transfer financial transaction information input user interface, it is checked whether the wire transfer financial transaction information including at least one of the bank transfer amount, the withdrawal account information, the withdrawal account password, the deposit account information, and the deposit bank information is input (945). .

If the account transfer financial transaction information including at least one or more of the bank transfer amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information is input (950), the terminal transfers the intranet account information and bank transfer finance; Generate account transfer financial transaction request information including transaction information (eg, account transfer amount, withdrawal account information, withdrawal account password, deposit account information, deposit bank information) (955), and through the intranet server (500) The generated account transfer financial transaction request information is included in at least one non-face-to-face financial transaction authentication information and transmitted to the intranet banking server 525 (960).

Here, the non-face-to-face financial transaction authentication information may be ID / PW information for intranet banking for the non-face-to-face financial transaction, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, Or at least one OTP code generated through an OTP generator provided to the intranet banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the wire transfer financial transaction request information is transmitted to the intranet banking server 525 by attaching or encrypting a predetermined electronic signature through the intranet banking module 570 provided in the terminal. Preferably, correspondingly, the intranet banking server 525 decrypts the wire transfer financial transaction request information and confirms an attached electronic signature, and if the person having ordinary knowledge in the technical field to which the present invention belongs, You will be familiar with the technical features of the encryption / decryption function and the digital signature function, a detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the process of transmitting the wire transfer financial transaction request information to the intranet banking server 525 through the intranet server 500 may be performed through one communication transaction, or at least It is possible for both to be done via two or more communication transactions, thereby not limiting the invention.

Thereafter, the intranet banking server 525 verifies the validity of the non-face-to-face financial transaction authentication information included in the wire transfer financial transaction request information (965).

According to the method of the present invention, the wire transfer financial transaction request information includes ID / PW information for intranet banking, or authentication certificate information, or predetermined security card information issued to the intranet banking customer for non-face-to-face financial transactions, or It may be received by the intranet banking server 525 including non-face-to-face financial transaction authentication information including at least one or more OTP code generated through the OTP generator provided to the intranet banking customer for non-face-to-face financial transactions, In response, the intranet banking server 525 preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the wire transfer financial transaction request information.

When the non-face-to-face financial transaction authentication information including the intranet banking ID / PW information is included in the wire transfer financial transaction request information according to an embodiment of the present invention, the intranet banking server 525 receives the received intranet banking. By comparing the ID / PW information for the intranet banking ID / PW information included in the customer information stored in the storage medium, thereby validating the intranet banking customer or confidentiality of non-face-to-face banking using the employee information. It is desirable to ensure authentication, integrity and nonrepudiation.

In addition, the encrypted information via at least one encryption key (for example, a symmetric key, a public key, or a private key) included in the authorized certificate included in the employee terminal 565 in the wire transfer financial transaction request information. When the non-face-to-face financial transaction authentication information is included and received, the intranet banking server 525 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, or a public key) corresponding to the encryption key. By doing so, it is desirable to secure the validity of the intranet banking customer or to secure confidentiality, authentication, integrity, and nonrepudiation of non-face-to-face banking using the employee information.

In addition, the intranet banking server 525 receives the non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking customer. By comparing the received security card information with the security card information included in the customer information stored in the storage medium, the validity of the intranet banking customer, or confidentiality, authentication, integrity of non-face-to-face banking using the employee information And non-repudiation.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (970), the intranet banking server 525 generates an account transfer financial transaction error result corresponding to the account transfer financial transaction using the employee information (975). ), And generates predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result to the terminal (980), and correspondingly, the terminal is included in the account transfer financial transaction response information. The bank transfer error result is output (998).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (970), the intranet banking server 525 is shown in Figure 6 or 7 through the intranet account information included in the wire transfer financial transaction request information By reading the employee authentication result stored in the intranet banking server 525 through the process, the validity of the employee who transmitted the non-face-to-face financial transaction authentication information is checked (985).

If the validity of the employee who transmits the non-face-to-face financial transaction authentication information is not confirmed (990), the intranet banking server 525 receives an account transfer financial transaction error result corresponding to the account transfer financial transaction using the employee information. Generate (975), generate a predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result, and transmit the generated account transfer financial transaction response information to the terminal (980); The result of the wire transfer financial transaction error included in the information is output (998).

If the validity of the employee who has transmitted the non-face-to-face financial transaction authentication information is confirmed (990), the intranet banking server 525 is a non-face-to-face account transfer financial transaction corresponding to the received wire transfer financial transaction request information Process (991).

According to an embodiment of the present invention, the money transfer money transaction information included in the wire transfer finance transaction request information, predetermined money transfer amount information, withdrawal account information to which the money transfer amount of the intranet linked account is withdrawn, and the withdrawal. If the account password, the deposit account information to which the account transfer amount is to be deposited, and at least one deposit bank information in which the deposit account is opened, the server queries the account ledger corresponding to the withdrawal account information. It is preferable to check whether the amount corresponding to the money transfer amount is deposited in the withdrawal account, or it is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information.

In addition, the intranet banking server 525 reads the deposit bank information and checks whether the wage account is opened in the bank equipped with the financial system or in the other row, and the deposit account is in the bank. In the case of opening to the financial system, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system, or if the deposit account is opened in another line, the financial common network in connection with the financial system. It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the deposit bank information.

Thereafter, the intranet banking server 525 calculates a predetermined account transfer fee for withdrawing the account transfer amount from the withdrawal account and depositing it into the deposit account, and the account transfer amount and the account transfer fee from the withdrawal account. The ledger processing procedure is withdrawn and deposited into the deposit account.

As those skilled in the art to which the present invention pertains, they will be familiar with the technical features of the ledger process of withdrawing the bank transfer amount and the bank transfer fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

If a predetermined error occurs while processing the non-face-to-face account transfer financial transaction corresponding to the account transfer financial transaction request information (992), the intranet banking server 525 transfers the account transfer financial transaction using the employee information. Generates an account transfer financial transaction error result corresponding to (975), and generates predetermined account transfer financial transaction response information including the generated account transfer financial transaction error result to the terminal through the intranet server 500; In operation 980, the terminal outputs the result of the error of the wire transfer financial transaction included in the received wire transfer financial transaction response information (998).

On the other hand, if the non-face-to-face account transfer financial transaction corresponding to the bank transfer financial transaction request information is successfully processed (992), the intranet banking server 525 generates predetermined ledger information corresponding to the account transfer financial transaction processing. In operation 994, in operation 994, the ledger information generated in correspondence with the bank transfer financial transaction is stored in the ledger D / B on the financial system in association with the financial system.

In the technical field to which the present invention pertains, technical features for storing the ledger information generated by the server in response to the bank transfer financial transaction processing and the ledger information in the ledger D / B on the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the bank transfer financial transaction processing is stored in the ledger D / B on the financial system (995), the intranet banking server 525 is corresponding to the account transfer financial transaction using the employee information Generating an account transfer financial transaction approval result (996), generating predetermined account transfer financial transaction response information including the generated bank transfer financial transaction approval result, and transmitting the generated bank transfer financial transaction response information to the terminal through the intranet server 500; In operation 997, the terminal outputs the result of the wire transfer financial transaction approval included in the received wire transfer financial transaction response information (998).

10 is a diagram illustrating a wired and wireless interworking system for synchronizing intranet banking transaction details performed by corporate employees through wired and wireless terminals according to an embodiment of the present invention.

In more detail, in FIG. 10, when an enterprise employee performs predetermined wireless intranet banking as shown in FIGS. 3 to 4 through the wireless intranet banking system shown in FIG. 1, the details of the wireless intranet banking transaction of the corporate employee are determined. In the storage medium (eg, the storage medium 2), and the corporate employee performs a predetermined intranet banking transaction as shown in FIG. 9 through the intranet banking system shown in FIG. ) To reflect the wireless intranet banking transaction history stored in the above) or when the corporate employee performs a predetermined intranet banking transaction as shown in FIG. 9 through the intranet banking system shown in FIG. Stored in a storage medium (e.g., storage medium 1) and connected to the wireless terminal of the corporate employee. Regarding a system configuration for providing a lannet banking transaction history, those skilled in the art to which the present invention pertains may refer to or modify the drawing 10 and the wireless intranet banking transaction details and the (wired) intranet banking transaction. Various implementation methods for a system for interlocking details may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the wired / wireless interworking system is a ledger for performing a predetermined intranet banking transaction through a wireless intranet banking system shown in FIG. 1 or an intranet banking system shown in FIG. A storage medium (e.g., a transaction through a wireless intranet banking system) that stores a financial system equipped with information, an intranet banking transaction history through the wireless intranet banking system, and also stores an intranet banking transaction history through the intranet banking system. The storage medium (1) and the storage medium (2) in which the transaction history through the wired intranet banking system is stored) and the wireless intranet banking system and the wired intranet banking system. Receive (or confirm), store in the storage medium, and store Provided with a wired or wireless interworking server for synchronizing processes the banking transaction history is characterized in that formed.

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system. All are possible, and the present invention is not limited thereby.

The wired / wireless interworking server may be a wireless intranet banking server on the wireless intranet banking system shown in FIG. 1 or a separate server interworking the wired / wireless banking transaction in connection with the wireless intranet banking server shown in FIG. As such, the present invention is not limited thereto.

The wired / wireless interworking server may be an intranet banking server on the wired intranet banking system shown in FIG. 5 or a separate server interworking the wired / wireless banking transaction in association with the intranet banking server shown in FIG. The present invention is not limited thereby.

In addition, in FIG. 10, a function of storing transaction details traded from the wireless intranet banking system or a wired intranet banking system in the storage medium, and a wired / wireless intranet stored in the storage medium in association with the financial system in the wired / wireless interworking server. Although the configuration includes a function configuration for interworking and synchronizing a banking transaction history and a function configuration for providing the interworking processing result or the synchronizing processing result to the corporate employee wireless terminal, the present invention is not limited thereto. It is apparent that the wired / wireless interworking server can be made through a separate server (or device) for each functional configuration.

The financial system is a generic term for a computer system having an account ledger corresponding to a customer account that is traded through a wireless intranet banking system shown in FIG. 1 or a wired intranet banking system shown in FIG. At least one window terminal provided at a branch (or a branch office or a main office) and a predetermined financial network (eg, a branch network), and face at least one financial transaction customer through the window terminal. Provide financial transaction services.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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

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

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

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

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

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

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

The storage medium may store transaction information of the company employee performed through the wireless intranet banking system shown in FIG. 1 and transaction history information of the company employee performed through the wired intranet banking system shown in FIG. Collectively, the storage medium is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or on at least one banking system, according to the intention of the skilled person. It is all possible to be provided.

Referring to FIG. 10, the wired / wireless interworking server 1000 is connected to the financial system to manage corporate employee transactions performed through the wireless intranet banking system shown in FIG. 1 or the wired intranet banking system shown in FIG. 5. An information storage unit 1005 stored in the storage medium, an information processing unit 1010 for interlocking or synchronizing wired / wireless intranet banking transactions stored in the storage medium, and the wired intranet banking details to the corporate employee wireless terminal. It is characterized in that it comprises an information providing unit 1015, each of the functional components may be composed of at least two or more functional components (or means) in more detail, according to the intention of the skilled person. It is not limited.

When the banking transaction of the corporate employee is performed through the wireless intranet banking system shown in FIG. 1 in connection with the financial system, the information storage unit 1005 processes the banking transaction details in association with the corporate employee information and stores the information. It is characterized by storing in the medium (2).

Further, when the banking transaction of the corporate employee is performed through the wired intranet banking system shown in FIG. 5 in connection with the financial system, the information storage unit 1005 processes the banking transaction details in association with the corporate employee information. To store in the storage medium (1).

The information processing unit 1010 stores a banking transaction history of the corporate employee performed through the wireless intranet banking system shown in FIG. 1 through the information storage unit 1005, and then the corporate employee is shown in FIG. When accessing the wired intranet banking system, it is characterized in that to reflect the wireless banking transaction history of corporate employees stored in the storage medium to the wired intranet banking transactions.

In addition, the information processing unit through the information storage unit the transaction history performed through the wireless intranet banking system shown in Figure 1 and the transaction history performed through the wired intranet banking system shown in Figure 5 the storage medium (2). When stored in the storage medium 1, the storage medium 1 and the storage medium 2 are characterized in that the synchronization process.

When the banking transaction history of the corporate employee performed through the wired intranet banking system shown in FIG. 5 through the information storage unit is stored in the storage medium 1, the corporate employee wireless terminal stores the storage medium. It is characterized in that it provides a wired intranet banking transaction history stored in (1).

11 is a diagram illustrating a process of synchronizing intranet banking transaction details performed by corporate employees through wired and wireless terminals according to an embodiment of the present invention.

In more detail, in FIG. 11, when an enterprise employee performs predetermined wireless intranet banking as shown in FIGS. 3 to 4 through the wireless intranet banking system shown in FIG. 1, the details of the wireless intranet banking transaction of the corporate employee are determined. In the storage medium (eg, the storage medium 2), and the corporate employee performs a predetermined intranet banking transaction as shown in FIG. 9 through the intranet banking system shown in FIG. ) To reflect the wireless intranet banking transaction history stored in the above) or when the corporate employee performs a predetermined intranet banking transaction as shown in FIG. 9 through the intranet banking system shown in FIG. Stored in a storage medium (e.g., storage medium 1) and connected to the wireless terminal of the corporate employee. Regarding the process of providing net banking transaction details, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 11 and the wireless intranet banking transaction details and the (wired) intranet banking transaction details. Various implementation methods for the interworking process may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 11, when a wireless intranet banking transaction of a corporate employee occurs through the wireless intranet banking system illustrated in FIG. 1 (1100), the wireless intranet banking transaction history generated by the wired / wireless interworking server 1000 may be displayed. The information is stored in the storage medium 2 in association with employee information (1105).

In addition, when an intranet banking transaction of a corporate employee occurs through the wired intranet banking system illustrated in FIG. 5 (1110), the wired intranet banking transaction history generated by the wired / wireless interworking server 1000 is linked to the corporate employee information. The storage medium 1 is stored in the storage medium 1 (1115).

Thereafter, the wired / wireless interworking server 1000 synchronizes the banking transaction history stored in the storage medium 1 and the storage medium 2 (1120), and if the transaction history synchronization is successfully performed (1125). The wired / wireless interworking server 1000 stores the transaction history synchronized to each of the storage media (1130).

According to the present invention, by synchronizing transaction details and items traded through wired and wireless intranet banking, there is an advantage that the use of intranet banking according to the provision of mobile interlocking intranet service can be more convenient.

Claims (4)

Means for providing an intranet banking function provided through a corporate intranet to a corporate employee customer wireless terminal; Means for storing an intranet banking transaction through a corporate employee customer wireless terminal in association with corporate employee customer information and storing the information in a storage medium; And And means for reflecting the intranet banking transaction through the wireless terminal of the corporate employee confirmed through the storage medium when the corporate employee accesses the intranet within the company through a wired terminal. Service delivery system. Means for storing intranet banking transaction details and transaction item information provided through corporate employee customer wired terminals in association with corporate employee customer information and storing the information in a storage medium; And And means for providing intranet banking transaction details and transaction items stored in the storage medium to the corporate employee customer wireless terminal. Storing the intranet banking transaction history and transaction item information through the corporate employee customer wired terminal in the storage medium 1; Storing the intranet banking transaction history and transaction item information through the corporate employee customer wireless terminal in the storage medium 2; And A wired / wireless interworking intranet banking service comprising the steps of synchronizing intranet banking transaction details and transaction item information stored in the storage medium 1 with intranet banking transaction details and transaction item information stored in the storage medium 2. How to Provide. A computer-readable recording medium having recorded thereon a program for executing the method of claim 3.

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