KR20090020978A - System for working composition processing account with gift certificate and point - Google Patents

Abstract

A gift certificate and a point complex process account operating system are provided to confirm the at least one point value of client. A point complex process account operating system comprises the unit for confirming one or more point value of client; the unit for depositing the confirmed point value in the gift certificate account which is held by a client; the unit for transforming the gift certificate value and the point value deposited in the gift certificate account corresponded to the predetermined exchange ratio.

Description

System for Working Composition Processing Account with Gift Certificate and Point}

1 is a diagram illustrating a system for establishing a face-to-face gift certificate account for depositing a blank gift certificate value in a gift certificate account according to an exemplary embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

3 is an embodiment in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention includes a database associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating the method.

FIG. 4 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for depositing a blank voucher value in a gift voucher account according to another exemplary embodiment of the present invention.

9 is a diagram illustrating an implementation method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

10 is a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

FIG. 11 is a diagram illustrating an embodiment of a method in which a storage medium for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention.

12A and 12B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value into a gift certificate account in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account according to one embodiment of the present invention.

14 is a diagram illustrating a face-to-face gift voucher and a point composite processing system for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to an embodiment of the present invention.

15 is a point exchange request information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to an embodiment of the present invention It is a figure which shows a structure.

Figure 16 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to another embodiment of the present invention FIG. 7 is a diagram illustrating a stored point exchange request information configuration.

FIG. 17 is a view illustrating configuration of point exchange request information stored in a DBMS provided in a banking server in a face-to-face manner in order to process exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to another embodiment of the present invention. One drawing.

18A and 18B illustrate a process of registering point exchange request information in a face-to-face manner according to one embodiment of the present invention.

19A and 19B illustrate a process of registering point exchange request information in a face-to-face manner according to another exemplary embodiment of the present invention.

20A and 20B illustrate a process of registering point exchange request information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 21 is a diagram illustrating a non-face-to-face gift voucher and a point composite processing system for processing exchanged values according to an exchange request for a target point to be deposited in a gift voucher account according to another exemplary embodiment of the present invention.

22 is a point exchange request stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account according to an embodiment of the present invention It is a figure which shows an information structure.

Figure 23 is a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the exchange of value processing in accordance with the exchange request for the target point to be deposited in the gift certificate account according to another embodiment of the present invention FIG. 7 is a diagram illustrating a point exchange request information structure stored in FIG.

24 is a view illustrating configuration of point exchange request information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to process exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to another embodiment of the present invention. Figure is shown.

25A and 25B are diagrams illustrating a process of registering point exchange request information in a non-face-to-face manner to process exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to one embodiment of the present invention. .

26A, 26B, and 26C illustrate registration of point exchange request information through a non-face-to-face financial transaction channel for processing of exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to one embodiment of the present invention. A diagram illustrating the process.

<Description of main parts of drawing>

1400: information registration server 1405: interface unit

1410: interface providing unit 1415: information receiving unit

1420: Image receiving unit 1425: Validation unit

1430: point checking unit 1435: point processing unit

1440: financial transaction processing unit 1445: electronic document generation unit

1450: electronic document transmission unit 1455: information storage unit

1460: electronic document server 1465: electronic document receiving unit

1470: information generating unit 1475: electronic document storage unit

1480: Electronic document D / B 1485: Storage medium

1490: point provider server 1492: teller terminal

1495: information registration terminal

The present invention provides a system for operating a gift certificate and a point composite processing account including a means for verifying at least one or more point values of a customer and means for depositing the identified point value in a gift certificate account (or account) possessed by the customer. .

In the development of modern society, there are many points around us, and they are used to purchase various products using them.

However, the points for each point provider is a lot of points mainly on-line rather than offline, and there is a problem that integrated management by various point providers is difficult.

An object of the present invention for solving the above problems is a gift certificate and a point comprising means for confirming the value of at least one or more points of a customer and means for depositing the identified point value in a gift certificate account (or account) held by the customer. The present invention provides a complex processing account management system.

The voucher and point composite account management system according to the present invention comprises means for confirming at least one or more point values of a customer and means for depositing the identified point value in a voucher account (or account) held by the customer. It is characterized by.

The gift certificate and point composite processing account management system according to the present invention further comprises means for converting the gift certificate value and the point value deposited in the gift certificate account (or account) in correspondence with a predetermined exchange rate. do.

The gift certificate and point composite processing account operating system according to the present invention is characterized in that it further comprises means for processing payment approval using the gift certificate value or point value deposited in the gift certificate account (or account).

On the other hand, the gift certificate and point composite processing account management system according to the present invention, means for confirming the value of at least one or more points of the customer,

Means for converting the identified point value into a predetermined gift certificate value, and means for depositing the converted gift certificate value in a gift certificate account (or account) held by the customer.

In the gift certificate and point composite account management system according to the present invention, the point value is a point value paid in response to the use of the card of the customer, a point value paid in response to the bank transaction performance of the customer, At least one point value paid in response to a customer's securities transaction, a point value paid in response to the customer's incorporation of the security deposit, a point value paid in response to the customer's financial transaction, and a membership point value of the customer It is characterized by including the above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description 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 easy to understand the functions 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 system for establishing a face-to-face gift certificate account for depositing a blank gift certificate value in a gift certificate account according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 shows that a given customer prepares an application for opening a gift certificate account including at least one of predetermined customer information, financial product information, issueable gift certificate information, and wireless terminal information. When submitted, the financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account corresponding to the application for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account. To a predetermined storage medium 180, and those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 1 to deposit a blank gift certificate value in the gift certificate account To infer various implementation methods for the system However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic document storage request electronic document is stored in the electronic document repository. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method for generating the gift certificate account opening application electronic document as shown in Figure 1, generating a gift certificate account opening application electronic document corresponding to the gift certificate account opening application on the server side on the gift certificate account opening system The present invention is not limited by this, but the present invention is not limited thereto, and the electronic document of the gift certificate account opening application is obtained from a terminal that has obtained image content corresponding to the gift certificate account opening application through a predetermined image acquisition device. It may be generated (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the gift certificate account opening application electronic document), thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

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

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a terminal device that is provided at at least one financial institution branch (or branch). It characterized in that it comprises a (195), the terminal device 195 is connected to the communication channel and the financial company server 100 provided on the gift certificate account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for depositing a blank gift certificate value in the gift certificate account, and through a window (or counter employee) provided at the financial institution branch branch (branch branch). Via the voucher account to fill out an application for opening a given voucher account for depositing a blank voucher value (e.g., a document with a form for filling in at least one item of information for the blank voucher value deposit in the voucher account). In this case, the customer is to seal the seal of the customer for the legal basis for the application for opening the gift certificate account.

Subsequently, when the customer submits the created gift certificate account opening application to the teller, the teller scans the gift certificate account opening application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal is opened. Input image information obtained in response to the gift voucher account opening application and at least one voucher account opening application information including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information written in the gift voucher account opening application. In response thereto, the counter terminal preferably transmits the image contents and the gift certificate account application information to the financial company server 100 provided on the gift certificate account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the gift voucher account opening system as described above, an image acquisition device for acquiring image content corresponding to the gift voucher account opening application created by the customer, a teller terminal used by the employee, the teller terminal and the financial company server 100. The financial network connecting to perform a function of the financial account opening interface for the customer to register the gift certificate account opening application information for depositing a blank gift certificate value in the gift certificate account.

The storage medium 180 provided on the gift certificate account opening system according to the present invention includes the customer information, account attribute information, issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 195, And store gift certificate account information including at least one wireless terminal information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile internet using the mobile phone owned by the customer and accesses the financial company server 100 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile internet using the mobile phone owned by the customer, and accesses the financial company server 100 through the mobile internet, checks the chip recognition information of the mobile phone, the confirmed chip recognition information It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 100 through the mobile internet, the terminal checks the terminal information of the mobile phone, and checks the terminal information. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

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

The financial company server 100 provided on the gift voucher account opening system according to the present invention is a generic term for the component of the gift voucher account opening system connected to the terminal device 195 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 blanks the gift certificate account. Application for opening a gift certificate account corresponding to the gift certificate account opening application is obtained by acquiring image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device included in the terminal device 195 for depositing a gift certificate value. Generate (or extract) at least one user interface for inputting (or selecting) information and transmitting it to the financial institution server 100, and generating the generated (or extracted) user interface in conjunction with the interface unit 105. The interface providing unit 110 provided to the terminal device 195, and the user interface in the terminal device 195 through the user interface Information for receiving the gift certificate account opening application information transmitted from the terminal device 195 in connection with the interface unit 105 when inputting (or selecting) the gift certificate account opening application information corresponding to the gift certificate account opening application. When the receiver 115 and the terminal device 195 acquire and transmit image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, the interface unit 105. It is characterized in that it comprises an image receiving unit 120 for receiving the image content corresponding to the application form for opening a gift certificate in association with).

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105 and then connects to the financial institution server 100 to the gift certificate account. When requesting a user interface for depositing a blank gift certificate value, an image content corresponding to a gift certificate account opening application created by the customer is obtained through a predetermined image acquisition device included in the terminal device 195, and the gift certificate account opening application form is requested. Create (or select) a gift certificate account application information corresponding to the at least one user interface for transmitting to the financial institution server 100 through the financial network, and / or from a predetermined database (not shown) And extract the generated (or extracted) user interface in conjunction with the interface unit 105 in the financial network. Through it characterized in that it provides to the terminal device 195. The

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device, and opens a gift certificate account corresponding to the gift certificate account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the gift certificate account opening application prepared by the customer, and inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application to the financial institution server 100. Create (or extract) an interface to the terminal 195 And ball interface providing unit 110 may be omitted to mubang, to which the present invention is not limited.

Thereafter, the terminal device 195 inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the user interface. The input (or selected) gift certificate account opening application information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 and the terminal device ( It is characterized in that for receiving the gift certificate application request information sent from 195).

In addition, the terminal device 195 obtains the image content corresponding to the gift certificate account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to a gift certificate account opening application written by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to an application for opening a gift certificate account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the gift certificate account opening application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 195 stores image content corresponding to a gift certificate account opening application written by the customer and the gift certificate account opening application information corresponding to the gift certificate account opening application through the user interface. When transmitting together, the information receiver 115 may receive the image content corresponding to the gift certificate account opening application and the gift certificate account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the gift certificate account opening application information transmitted from the terminal device 195 through the information receiving unit 115, the received gift certificate account opening application information is displayed. The gift certificate account is characterized in that it is provided with a validity verification unit 125 for checking whether the validity for depositing the blank gift certificate value.

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and opens the gift certificate account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined gift certificate account opening application electronic document including the received image content and the generated gift certificate account opening application electronic document to the gift certificate account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generation unit 130 may generate a gift certificate account opening application electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 blanks the image file including the image content received from the terminal device 195 through the image receiving unit 120 to the gift certificate account. It is advisable to process the electronic voucher application for the gift voucher account for the gift voucher value deposit.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A gift certificate account for depositing a blank gift certificate value into an image certificate corresponding to an image content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information in a watermarking manner. It is desirable to create an electronic application for the opening application.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT). It is desirable to create an electronic application for a gift voucher account for depositing blank voucher values.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generates image contents including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information by watermarking, and includes a predetermined document file including the generated image contents (eg, , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for the application to open a gift certificate account for depositing a blank gift certificate value.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing information on the application for opening a gift certificate account, or By generating a web document file including the MHT), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generating unit 130 is included in the gift certificate account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information by watermarking, and include the generated image content and application information for opening the gift certificate account. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Generating a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account It is right.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate an electronic document voucher account opening request electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic vouchers for electronic vouchers, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the electronic certificate opening application request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to the financial institution server 100 on the gift voucher account opening system through a predetermined communication means, and the electronic document server 155 and the electronic document D / B 175. When provided externally, the electronic document transmission unit 135 is the electronic document server 155 to the electronic voucher account opening application electronic document generated by the electronic document generation unit 130 through the communication means It characterized in that the transmission to.

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the gift certificate account opening system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift voucher account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic voucher registration application electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 135 may use the electronic document related information (eg, a gift certificate account corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 155. The information on the financial institution that transmits the electronic certificate for opening the gift certificate account, and / or the electronic document file format information, and / or the application information for opening the gift certificate account, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. If authenticated, the information generation unit 140 for generating the financial account information based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information for the certificate of validity of the certificate opening account, and And an account establishment unit 145 for opening and processing a financial account in the name of the customer including the financial account information.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 125, the information generation unit 140 includes customer information, financial product information, and issueable gift certificate included in the gift certificate account opening application information. The financial account information is generated based on the information and the wireless terminal information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account establishment unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gift certificate account opening application information. A predetermined financial account for depositing a blank gift certificate value is formed in the account.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 185 exist in the same system, the account opening unit 145 is linked with the financial system 185 to ledger D / B. It is preferable to generate a predetermined account ledger including financial account information at 190.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. It is preferable to request the ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through an external system on the financial system 185.

Referring to FIG. 1, the financial institution server 100 has a validity for depositing a gift certificate value of a gift certificate account received through the information receiving unit 115 into the gift certificate account through the validity verification unit 125. If authenticated, gift certificate account information including at least one or more of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application certificate opening application information for which the validity is authenticated is stored in a predetermined storage medium 180. It is characterized by comprising an information storage unit 150 for storing.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 125, the information storage unit 150 includes the customer information, account attribute information, and issueable gift certificate included in the gift certificate account opening application information. And gift voucher account information including at least one of information and wireless terminal information in the storage medium 180.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 180. Preferably, the storage medium 180 stores the gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information.

According to another embodiment of the present invention, when the storage medium 180 is provided in a DBMS provided on the financial system 185, the information storage unit 150 is included in the received gift certificate account opening application information. Gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information is provided on the financial system 185 by providing the information system through an external system on the financial system 185. It is desirable to store in a DBMS.

Referring to FIG. 1, an electronic document which receives a predetermined gift certificate account opening application electronic document from the financial institution server 100 provided on the gift certificate account opening system and stores and manages it in a predetermined electronic document D / B 175. The server 155, the electronic document receiving unit 160 for receiving a predetermined gift certificate account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received gift certificate account opening request electronic document An information generation unit 165 for generating predetermined electronic document management information for storing and managing in the document D / B 175, and the electronic document management information and the gift certificate account opening application electronic document are processed in a predetermined manner. It is characterized in that it comprises an electronic document storage unit 170 for storing in the document D / B (175).

The electronic document receiving unit 160 is characterized in that for receiving from the financial institution server 100 through the communication means electronic document voucher account opening request in the form of an image file and / or document file.

According to one embodiment of the present invention, the electronic document receiving unit 160 receives a gift certificate account opening application electronic document received through the communication means is the image content received by the financial institution server 100 from the terminal device (195) It is preferable that the image file is included as it is.

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document through the communication means, the financial institution server 100 request information to open the gift certificate account in the image content received from the terminal device (195). It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the gift certificate account opening application electronic document received through the communication means is the image content received by the financial institution server 100 from the terminal device (195) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document received through the communication means in the image content received by the financial institution server 100 from the terminal device 195 to the application information to open the gift certificate account. A predetermined document file (eg, Portable Document Format (PDF)) containing image content including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in a watermarking method. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the gift certificate account opening application electronic document received through the communication means the image received by the financial institution server 100 from the terminal device (195) A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and application information for opening a gift certificate account; Or a web document file including the MHT).

Alternatively, the electronic document receiving unit 160 receives the gift certificate account opening request electronic document received through the communication means in the image content received by the financial institution server 100 from the terminal device 195 to the application information to open the gift certificate account. A predetermined document file including image contents including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in a watermarking method and application information for opening the gift certificate account (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

The information generating unit 165 uses a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 160, and the electronic document receiving unit 160. Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the gift certificate account opening request electronic document was stored) when the electronic certificate opening request electronic document was received. do.

According to the exemplary embodiment of the present invention, the information generating unit 165 opens the gift certificate account with reference to the financial institution server 100 that has transmitted the electronic document receiving application electronic document received through the electronic document receiving unit 160. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

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

The electronic document storage unit 170 processes the electronic document management information generated through the information generating unit 165 and the electronic document management application electronic document received through the electronic document receiving unit 160 to a predetermined electronic The document D / B 175 may be stored.

According to the exemplary embodiment of the present invention, the financial institution server 100 requests the electronic device storage 170 to store the gift certificate account opening request stored in the electronic document D / B 175 in the terminal device 195. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the electronic document storage application 170, the electronic voucher account opening request electronic document stored in the electronic document D / B (175) is stored in the image content received by the financial institution server 100 from the terminal device (195). It comprises an image file corresponding to the image content including at least one or more information of the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account by watermarking method (Watermarking) It is preferable.

According to another embodiment of the present invention, the electronic document storage unit 170 stores the electronic certificate D / B (175) application for opening a voucher account electronic document is the financial company server 100 is the terminal device (195) A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the electronic document storage application 170, the electronic document storage application request document opening electronic document stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) A predetermined document file including image content including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information by watermarking (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic certificate D / B (175) application for opening a gift certificate account electronic document is the financial company server 100 is the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the image content received from 195 and the application information for opening the gift certificate account. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document storage application 170, the electronic document storage application request document opening electronic document stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) Image information including at least one or more of the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the gift certificate account application information by watermarking method and the application information for opening the gift certificate account A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening request application electronic document, opens the gift certificate account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening application request document is the gift certificate account. It is preferable that the financial institution server 100, which has transmitted the opening application electronic document, further includes information on the financial institution which has confirmed the gift certificate account opening application electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the connection with the electronic document opening application electronic document and the The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or the gift certificate account opening request). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account).

2 is a diagram illustrating an implementation method in which a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner is provided in a DBMS on a financial system 185 according to an embodiment of the present invention. .

In more detail, in FIG. 2, the storage medium 180 illustrated in FIG. 1 is the ledger D / B 190 provided in the DBMS on the financial system 185 or the ledger D / B 190. In this case, the information structure for an embodiment of the method for storing the gift certificate account information in the ledger information provided in the ledger D / B (190), if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying FIG. 2, various information construction methods for storing the gift certificate account information in the ledger D / B 190 may be inferred, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 190 provided in the DBMS on the financial system 185 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 1 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 190 provided in the DBMS on the financial system 185 has at least one ledger (for example, the receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in Figure 2 , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodic reception information including at least one or more of an extension period, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 2, the storage medium 180 is the ledger D / B 190 or includes an implementation method provided in the ledger D / B 190 according to an embodiment of the present invention. Gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information provided through the gift certificate account opening system shown in FIG. And is stored in the form of additional information to be added.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the gift certificate issuer information may include information about an institution (eg, an institution) of a gift certificate issuer that issues a gift certificate to be issued (or used) when the blank gift certificate value deposited in the gift certificate account is issued (or used). Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile internet using the mobile phone owned by the customer and accesses the financial company server 100 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile internet using the mobile phone owned by the customer, and accesses the financial company server 100 through the mobile internet, the chip recognition information of the mobile phone is checked, and the identified chip recognition It is desirable to access the details of the gift voucher account corresponding to the information.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 100 through the mobile internet, the terminal checks the terminal information of the mobile phone, and checks the terminal information. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to another exemplary embodiment of the present invention, the application information for opening the gift certificate account is stored in the form of information included in the account ledger (not shown), and / or in another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 illustrates a ledger D / B 190 having a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 185. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 190 included in the DBMS on the financial system 185. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the present invention account information is stored in a predetermined database by referring to and / or modifying the present invention. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the gift certificate account information in the ledger information of the ledger D / B 190 on the DBMS provided on the financial system 185 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 190 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 185), the gift certificate account in a predetermined database instead of the ledger D / B 190 It shows an implementation method of storing the information, the database and the ledger D / B (190) in a cooperative process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 190 provided in the DBMS on the financial system 185 according to another embodiment of the present invention. And store the gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account. The gift certificate account information is stored in the ledger. In order to be processed in conjunction with the D / B 190, the gift certificate account information preferably further comprises a CIF number corresponding to the ledger information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile internet using the mobile phone owned by the customer and accesses the financial company server 100 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile internet using the mobile phone owned by the customer, and accesses the financial company server 100 through the mobile internet, checks the chip recognition information of the mobile phone, the confirmed chip recognition information It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 100 through the mobile internet, the terminal checks the terminal information of the mobile phone, and checks the terminal information. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 180 for storing gift certificate account information corresponding to a gift certificate account opened in a face-to-face manner according to another embodiment of the present invention. to be.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of configuring information on gift certificate account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening the gift certificate account. And gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile internet using the mobile phone owned by the customer and accesses the financial company server 100 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile internet using the mobile phone owned by the customer, and accesses the financial company server 100 through the mobile internet, checks the chip recognition information of the mobile phone, the confirmed chip recognition information It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 100 through the mobile internet, the terminal checks the terminal information of the mobile phone, and checks the terminal information. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a customer information file (CIF number, etc.) provided in a customer ledger provided on the financial system 185 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

5A and 5B illustrate a process of opening a gift certificate account for depositing blank gift certificate values in a gift certificate account in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 195 on the gift certificate account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer may open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. When a user prepares and submits a gift certificate account opening application including at least one of financial product information, issueable gift certificate information, and wireless terminal information, the financial institution opens and processes a gift certificate account based on the application form. As for the system configuration, specifically, the customer fills out the application form for opening a gift certificate account to the counter. When submitting, after obtaining the predetermined image content corresponding to the gift certificate account opening application through the predetermined image acquisition device at the window terminal and transmitting the predetermined image content to the financial institution server 100, the gift certificate account corresponding to the gift certificate account opening application When inputting (or selecting) establishment application information to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. A method of opening a gift certificate account based on application information for opening a gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (Ie, using all the gift vouchers worth $ 10,000 as a voucher for a particular store, or 500,000 won out of 1 million won as the voucher for the store, and the remaining 500,000 won as vouchers for other stores). It is preferable.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a predetermined customer prepares an application for opening a gift certificate account including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information in order to deposit a blank gift certificate value in a gift certificate account. When submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that a user can deposit a blank gift certificate value in a gift certificate account corresponding to the application for opening a gift certificate account. When requesting the interface (500), the server corresponding to the user interface for acquiring the predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server; Generate (or extract) 505 and generate ( Alternatively, the extracted user interface is transmitted to the terminal and output (510).

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

If image content corresponding to the gift certificate account opening application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) gift certificate account opening application information including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information corresponding to a gift certificate account opening application matching the image content. By generating (or extracting) a user interface for transmitting to the server (530), and transmitting the generated (or extracted) user interface to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the user interface (540).

If the application information for opening a gift certificate account including at least one of the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information is input (or selected) through the user interface (545), the terminal is connected to the financial network. Through the input (or selected) gift certificate account opening application information to the server through the transmission (550).

Subsequently, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the financial network. Validation is checked (555).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include checking whether the information matches the financial product information stored in the financial product D / B (not shown).

If the validity of the gift certificate account opening application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and a gift certificate account corresponding to the gift certificate account opening application information Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (560), the server generates a predetermined gift certificate account opening application electronic document including the image content (570).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And an image file corresponding to an image content including at least one or more of issueable gift certificate information and wireless terminal information by watermarking, in the gift certificate account. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more of the issueable gift certificate information and the wireless terminal information by a watermarking method, and using a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), to deposit a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for the application for opening a gift certificate account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And a predetermined document file including image information including at least one or more of issueable gift certificate information and wireless terminal information by a watermarking method, and including the generated image content and the application information for opening a gift certificate account ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for the application to open a gift certificate account for depositing blank gift certificate value in the account.

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

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening request electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (580), the server is based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account The financial account information is generated (585).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in connection with the financial system 185. A bank account in the name of the customer is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account, to a predetermined storage medium 180. Save (595)

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. Preferably, the storage medium 180 stores the gift certificate account information including at least one of account attribute information, issueable gift certificate information, and wireless terminal information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. Providing gift certificate account information including at least one of attribute information, issueable gift certificate information, and wireless terminal information as an information system through an external system on the financial system 185 and storing it in a DBMS provided on the financial system 185. desirable.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) details of storing the gift certificate account application information in step 599 and transmitting it to the terminal (599).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

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

6A and 6B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show the terminal device 195 on the gift voucher account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer may open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. When a user prepares and submits a gift certificate account opening application including at least one of financial product information, issueable gift certificate information, and wireless terminal information, the financial institution opens and processes a gift certificate account based on the application form. As for the system configuration, specifically, the customer fills out the application form for opening the gift certificate account and Upon submission, the ticket terminal inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application to the financial institution server 100 and transmits the gift certificate account opening application through a predetermined image acquisition device. Acquiring predetermined image content corresponding to and transmitting the predetermined image content to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. A method of opening a gift certificate account based on application information for opening a gift certificate account is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document repository, the process is not intended for the skilled person. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (I.e., use the value of a blank voucher worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as a voucher for another store) It is desirable to.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, issueable gift certificate information, and wireless terminal information transmitted to the financial institution server 100 are referred to as "gift certificate account application information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer prepares an application for opening a gift certificate account including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information in order to deposit a blank gift certificate value in a gift certificate account. When submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that a user can deposit a blank gift certificate value in a gift certificate account corresponding to the application for opening a gift certificate account. When requesting the interface (600), the server corresponding to the request for opening a gift certificate account including at least one of customer information, financial product information, issueable gift certificate information, wireless terminal information corresponding to the application for opening a gift certificate account created by the customer User interface for entering (or selecting) information and sending it to the server Generating a database (or extract), and 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the user interface (615).

If the application information for opening a gift certificate account including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information is input (or selected) through the user interface (620), the terminal is connected to the financial network. Through the input (or selected) gift certificate account opening application information to the server through the transmission (625).

Subsequently, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the financial network. Validation is checked (630).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening request information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and a gift certificate account corresponding to the gift certificate account opening application information. Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (635), the server acquires predetermined image content corresponding to the gift certificate account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the gift certificate account opening application through a predetermined image obtaining apparatus based on the user interface (655).

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

The server receiving the gift certificate account opening application information and the image content from the terminal generates a predetermined gift certificate account opening application electronic document including the image content (670).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial products included in the application information for opening a gift certificate account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. An electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in an image file corresponding to an image content including at least one of information, issueable gift certificate information, and wireless terminal information in a watermarking manner. It is desirable to produce.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more of the issueable gift certificate information and the wireless terminal information by a watermarking method, and using a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), to deposit a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for the application for opening a gift certificate account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And a predetermined document file including image information including at least one or more of issueable gift certificate information and wireless terminal information by a watermarking method, and including the generated image content and the application information for opening a gift certificate account ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for the application to open a gift certificate account for depositing blank gift certificate value in the account.

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

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server is based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account The financial account information is generated (685).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in connection with the financial system 185. Open and process a financial account in the name of the customer (690).

According to an embodiment of the present invention, the server is connected with the financial system 185 to generate a customer ledger including customer information included in the application for opening a financial account (or matched with the customer information, and is provided in advance. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, Correspondingly, a predetermined financial account for depositing a blank gift certificate value is opened in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account, to a predetermined storage medium 180. Save (695)

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. Preferably, the storage medium 180 stores the gift certificate account information including at least one of account attribute information, issueable gift certificate information, and wireless terminal information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. Providing gift certificate account information including at least one of attribute information, issueable gift certificate information, and wireless terminal information as an information system through an external system on the financial system 185 and storing it in a DBMS provided on the financial system 185. desirable.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

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

7A and 7B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the gift voucher account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, a predetermined customer opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account. After completing and submitting a gift certificate account opening application form including information, financial product information, issueable gift certificate information, and wireless terminal information, the financial institution opens and processes a gift certificate account based on the gift certificate account opening application. In the system configuration, specifically, the customer fills out the gift certificate account opening application form to the window When submitting, the predetermined number of image contents corresponding to the gift certificate account opening application is obtained through the predetermined image obtaining apparatus at the window terminal, and the application information for opening the gift certificate account corresponding to the gift certificate account opening application is input (or selected). Subsequently, when the image content and the application information for opening the gift certificate account are transmitted to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. It shows an implementation method of opening and processing the gift certificate account based on the application information to open the gift certificate account to include.

Those skilled in the art to which the present invention pertains, various implementations of registering the application information for opening the gift certificate account with the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the gift certificate account opening application and storing it in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 7A and 7B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the gift certificate account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) gift certificate account opening application information corresponding to the gift certificate account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided at the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer owning the gift voucher account may selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. (I.e., use all the gift voucher value of 1 million won as a gift voucher for a specific store, or 500,000 won out of 1 million won as the voucher for the above store, and the remaining 500,000 won as voucher for other stores) It is desirable to.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, issueable gift certificate information, and wireless terminal information transmitted to the financial institution server 100 are referred to as "gift certificate account application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer prepares an application for opening a gift certificate account including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information in order to deposit a blank gift certificate value in a gift certificate account. When submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that a user can deposit a blank gift certificate value in a gift certificate account corresponding to the application for opening a gift certificate account. When requesting an interface (700), the server correspondingly inputs (or selects) a gift certificate account opening application information corresponding to the gift certificate account opening application written by the customer in the terminal, and through the predetermined image acquisition device The server acquires predetermined image content corresponding to a gift certificate account opening application. Generating a user interface for transmitting (or extract), and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the user interface (715).

If the application information for opening a gift certificate account including at least one of the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information is input (or selected) through the user interface (720), the terminal receives the user interface. An image content corresponding to the gift voucher account opening application is obtained through a predetermined image obtaining apparatus (725).

If image content corresponding to the gift certificate account opening application is obtained through the image obtaining apparatus (730), the terminal transmits the gift certificate account opening application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads a gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the financial network to the gift certificate account opening application information. Check the validity (740).

According to the method of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 190 on the financial system 185 associated with the gift certificate account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on 185.

In addition, the validity of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 185 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening request information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and a gift certificate account corresponding to the gift certificate account opening application information. Do not perform the opening procedure.

On the contrary, if the validity of the gift certificate account opening application information is authenticated (745), the server generates a predetermined gift certificate account opening application electronic document including the image content (755).

According to one embodiment of the invention, the server is a gift certificate for depositing a blank gift certificate value deposit in the gift certificate account as it is an image file containing the image content received from the terminal device 195 through the image receiving unit 120 It is advisable to process electronic documents for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account with an image file corresponding to an image content including at least one of issueable gift certificate information and wireless terminal information in a watermarking manner. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for account opening.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more of the issueable gift certificate information and the wireless terminal information by a watermarking method, and using a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), to deposit a blank gift certificate value in the gift certificate account. It is desirable to create an electronic document for the application for opening a gift certificate account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the gift certificate account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server may include customer information and financial product information included in the gift certificate account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And a predetermined document file including image information including at least one or more of issueable gift certificate information and wireless terminal information by a watermarking method, and including the generated image content and the application information for opening a gift certificate account ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an electronic document for the application to open a gift certificate account for depositing blank gift certificate value in the account.

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

Thereafter, the server stores the generated gift certificate account application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B (175), whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a gift certificate account opening application corresponding to the image content, and / or financial institution information for transmitting the gift certificate account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a gift certificate account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server is based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information for opening the gift certificate account The financial account information is generated (770).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in connection with the financial system 185. A financial account under the customer's name is opened (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the gift certificate account opening application information. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account, to a predetermined storage medium 180. Save (780)

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. Preferably, the storage medium 180 stores the gift certificate account information including at least one of account attribute information, issueable gift certificate information, and wireless terminal information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the customer information and the account included in the received gift certificate account application information. Providing gift certificate account information including at least one of attribute information, issueable gift certificate information, and wireless terminal information as an information system through an external system on the financial system 185 and storing it in a DBMS provided on the financial system 185. desirable.

Thereafter, the server may provide predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document repository, and / or the storage medium 180). (The details of storing the gift certificate account opening application information) is generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 180 may be a ledger D / B 190 provided in a DBMS on the financial system 185, and / or a predetermined database linked to the ledger D / B 190. The present invention is not limited thereby.

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

8 is a diagram illustrating a non-face-to-face gift voucher account opening system for depositing blank voucher values in a gift voucher account according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a method for opening a gift certificate account application information including at least one predetermined customer information, financial product information, issueable gift certificate information, and wireless terminal information through a predetermined financial account opening interface. If provided to an institution, the financial institution opens a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information for opening the gift certificate account, and stores the gift certificate account information for managing the gift certificate account in a predetermined storage medium. As a system configuration for storing in 875, a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 8 to open a gift certificate account for depositing a blank gift certificate value in a gift certificate account Various implementation methods for the system configuration can be inferred, but the present invention It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a gift certificate account by omitting and implementing a method of storing the gift certificate account application electronic document in the electronic document repository by referring to and / or modifying the drawing 8. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the gift certificate account opening system, in addition to the implementation method shown in FIG. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the gift certificate account opening request electronic document is illustrated as being generated on the server side on the gift certificate account opening system, but the present invention is not limited thereto. The electronic document for requesting to open a gift certificate account may be generated on the terminal side which inputs (or selects) the gift certificate account opening request information (for example, the electronic document generating function provided on the server side is provided on the terminal side to provide the gift certificate). Create an account opening request electronic document), by which the present invention is not limited.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, receiving the gift certificate account opening application information from the customer through a predetermined financial account opening interface on the gift certificate account opening system shown in FIG. 8, the customer opens the gift certificate account, and the predetermined gift certificate corresponding thereto. A component corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a system for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And at least one terminal device 890 including at least one of the terminals and the like. The terminal device 890 communicates with the financial institution server 800 provided on the gift certificate account opening system through a predetermined network means. The channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) a gift certificate account opening application information for depositing a blank gift certificate value into the gift certificate account through at least one user interface provided by the financial institution server 800, the client terminal may transmit the application information through a predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the gift certificate account opening system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

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

In the system for opening a gift certificate account, the client terminal including at least one wired terminal and / or wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 800. And / or the wireless communication network performs a function of a financial account opening interface for registering a gift certificate account opening application information for the customer to deposit a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the terminal device 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the gift certificate account opening system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 800 performs a function of a financial account opening interface for the customer to register a gift certificate account opening application information to deposit a blank gift certificate value in the gift certificate account, and / or the terminal device 890. Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 is the customer's gift certificate account Perform a function of a financial account opening interface for registering a gift certificate account application information for depositing a blank gift certificate value in, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the device 890, the terminal (and / or server) (not shown) and the terminal (and / or server). The network connecting the financial company server 800 (not shown) performs a function of a financial account opening interface for registering a gift certificate account opening application information for the customer to deposit a blank gift certificate value in the gift certificate account.

The storage medium 875 provided on the gift certificate account opening system according to the present invention includes the customer information, account attribute information, issueable gift certificate information included in the gift certificate account opening application information provided from the terminal device 890, And store gift certificate account information including at least one wireless terminal information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile Internet using the mobile phone owned by the customer and accesses the financial company server 800 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial company server 800 through the mobile internet, the chip recognition information of the mobile phone is checked, and the confirmed chip recognition information. It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 800 through the mobile internet, the terminal information of the mobile phone is checked and the confirmed terminal information is displayed. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the gift voucher account opening system according to the present invention is a generic term for the components of the gift voucher account opening system connected to the terminal device 890 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided in the internet banking server, and / or a predetermined access to the external system of the financial system 880 through the internet banking system. A foreign system on the financial system 880 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 880, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 880 through the wireless banking system. A server provided in the external system on the financial system 880 that is a program in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial bank 880 of the financial system 880 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 880, and / or a program provided in the external system on the financial system 880, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 880 through the TV banking system ( Or device), a program included in the server (or device), and / or to an external system on the financial system 880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided, and / or a program provided in the external world on the financial system 880, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 via the network means.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when a predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 blanks the gift certificate account. Generating (or extracting) at least one user interface for inputting (or selecting) predetermined gift certificate account opening application information from the terminal device 890 to deposit the gift certificate value, and transmitting it to the financial institution server 800; An interface provider 810 for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the terminal device 890 via the user interface. Entering (or selecting) a gift certificate account application information and transmitting the information, opening the gift certificate account transmitted from the terminal device 890 in association with the interface unit 805. And an information receiving unit 815 receiving the blue information is characterized in that formed.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then transfers the gift certificate account to the financial institution server 800. When requesting a user interface for depositing a blank gift certificate value, the terminal device 890 inputs (or selects) predetermined application information for opening a gift certificate account and transmits the information to the financial institution server 800 through the network means. One or more user interfaces are generated and / or extracted from a predetermined database (not shown), and the terminal device 890 is generated (or extracted) in conjunction with the interface unit 805 via the network means. It is characterized by providing in).

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS based user interface) generated by the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined gift certificate account opening application information into the terminal device 890 to be transmitted to the financial institution server 800 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined gift certificate account opening application information and transmitting it to the financial institution server 800 as described above. The interface providing unit 810 provided to the device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) a gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the user interface. The input (or selected) gift certificate account opening application information is transmitted to the financial institution server 800 through the network means. In response thereto, the information receiving unit 815 is connected to the interface unit 805 and the terminal device. Characterized in that receiving the gift certificate account opening application information transmitted from the (890).

According to the exemplary embodiment of the present invention, the terminal device 890 includes the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information. The network further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying validity of the application information for opening a gift certificate account. It is preferable to transmit to the financial institution server 800 through the means.

According to an exemplary embodiment of the present invention, the terminal device 890 may include at least one encryption method (for example, at least one cryptographic account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information). Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. It is preferable to transmit the electronic signature to the financial institution server 800 through the network means, for this purpose, the terminal device 890 is provided with at least one encryption key corresponding to the encryption method, and And / or have a predetermined certificate containing at least one encryption key, and / or the certificate If provided in a predetermined IC chip (or IC card) it is preferably provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

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

Referring to FIG. 8, when the financial institution server 800 receives the gift certificate account opening application information transmitted from the terminal device 890 through the information receiving unit 815, the received gift certificate account opening application information is received. The gift certificate account is characterized in that it comprises a validity verification unit 820 for checking whether the validity for depositing the blank gift certificate value.

According to an embodiment of the present invention, the gift certificate account application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 820 includes at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted gift certificate account application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received gift certificate account opening application information.

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the validity verification unit 820 checks the electronic signature attached to the gift certificate account opening application information, thereby receiving the received gift certificate account opening application information. It is desirable to authenticate validity.

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

When the gift certificate account opening application information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the gift certificate account opening application information, the validity confirming unit In step 820, it is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the validity checking unit 820 Is to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the gift certificate account opening application information with the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the validity checking unit 820 may include: By comparing and verifying the received OTP code included in the gift certificate account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received gift certificate account opening application information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 8, when the validity of the gift certificate account opening application information is authenticated through the validity checker 820, the financial institution server 800 includes a predetermined gift certificate account including the received gift certificate account opening application information. An electronic document generation unit 825 for generating an opening application electronic document, and an electronic document transmission unit 830 for transmitting the generated gift certificate account opening application electronic document to an electronic document repository associated with the gift certificate account opening system. Characterized in that made.

The electronic document generating unit 825 generates a gift certificate account opening application electronic document including the gift certificate account opening application information received from the terminal device 890 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, financial product information, issueable gift certificate information, and wireless terminal included in the application information for opening a gift certificate account received through the information receiver 815. Generate document content including at least one information, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. A word processor file, or a web document file including an MHT) is preferably processed as an electronic document for requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information received through the information receiving unit 815. After generating document content, and including at least one or more information of the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account in the document content, (Watermarking), A document file including document content including the watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or MHT). Application for opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account, etc.) It is desirable to process each other.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information received through the information receiving unit 815. Creating an image content and depositing a blank gift certificate value in the gift certificate account an image file including image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory). It is advisable to process electronic vouchers for gift vouchers.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information received through the information receiving unit 815. Customer information, financial product information, included in the application information for opening the gift certificate account in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on a memory); After including at least one or more of the issueable gift certificate information and the wireless terminal information in a watermarking method, a gift certificate for depositing a blank gift certificate value in the gift certificate account with an image file including the image content including the watermarking. It is advisable to process electronic documents for account opening.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, financial product information, issueable gift certificate information, and wireless information included in the application information for opening a gift certificate account received through the information receiving unit 815. A predetermined document file (for example, generating document content including at least one terminal information) and including image content (eg, image content generated by capturing the document content on a memory). , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is advisable to process the blank voucher value in an electronic document for the application of a voucher account for deposit.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information received through the information receiving unit 815. Customer information, financial product information, included in the application information for opening the gift certificate account in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on a memory); Create image content including at least one or more of the issueable gift certificate information and the wireless terminal information in a watermarking manner, and include a document file (eg, PDF (Portable Document Format) including the image content including the watermarking. ) Word, EDI (Electronic Data Interchange) file, Word or Word that includes at least one or more such as HWP / DOC By generating a processor file or a web document file including MHT), it is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for the application for opening a gift certificate account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information, financial product information, issueable gift certificate information included in the application information for opening a gift certificate account received through the information receiving unit 815, Generating document contents including at least one wireless terminal information, and capturing the image contents (for example, image contents generated by capturing the document contents on a memory) and application information for opening a gift certificate account. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Generating a gift certificate account for the deposit of a blank gift certificate value in the gift certificate account. This is preferred.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information received through the information receiving unit 815. Customer information, financial product information, included in the application information for opening the gift certificate account in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on a memory); A document file including image content including watermarking and at least one or more information of issueable gift certificate information and wireless terminal information, and including application information for opening the gift certificate account; For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, or the like. By generating at least one word processor file, or a web document file including the MHT, etc.), it is preferable to process the blank gift certificate value in the gift certificate account as an electronic document for application for opening a gift certificate account.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825, the technical characteristics of generating a gift certificate account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for image files and / or document files corresponding to electronic vouchers for electronic vouchers, so the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the electronic certificate opening request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the gift certificate account opening system. do.

As shown in FIG. 8, the electronic document repository is connected to the financial institution server 800 on the gift voucher account opening system via a predetermined communication means, and the electronic document D / B 870 is provided. When provided externally, the electronic document transmission unit 830 is the electronic document server 850 generated by the electronic document generating unit 825 the electronic document server through the communication means the electronic document server 850 It characterized in that the transmission to.

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside of the gift certificate account opening system, the electronic document server 850 and the electronic document D / B 870 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift certificate account opening system, the electronic document transmission unit 830 is generated by the electronic document generation unit 825. It is possible to store the electronic voucher registration application electronic document in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the gift voucher account opening system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the gift certificate account opening application information) for generating predetermined electronic document management information in the electronic document server 850. (Optional) customer information transmitted, and / or financial institution information for transmitting the gift certificate account application electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 has a validity for depositing a gift certificate account application information received through the information receiving unit 815 to deposit a blank gift certificate value in the gift certificate account through the validity verification unit 820. If the authentication is successful, the information generating unit 835 for generating the financial account information based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application certificate opening application information that has been validated and And an account opening unit 840 for opening and processing a financial account of the customer's name including the financial account information.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 820, the information generating unit 835 includes customer information, financial product information, and issueable gift certificate information included in the gift certificate account opening application information. And generating the financial account information based on the wireless terminal information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account opening unit 840 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 880 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the gift certificate account opening application information. And opening a predetermined financial account for depositing blank gift certificate value in the account.

When the financial institution server 800 and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the account opening unit 840 is linked with the financial system 880 to ledger D / In B 885, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 880 exist on another system connected through a predetermined communication means, the account opening unit 840 may use predetermined communication means. It is preferable to request the ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through an external system on the financial system 880.

Referring to FIG. 8, the financial institution server 800 has a validity for depositing a gift certificate account application information received through the information receiving unit 815 to deposit a blank gift certificate value in the gift certificate account through the validity verification unit 820. When the authentication is successful, the storage medium 875 includes gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application certificate for opening a valid gift certificate account. And an information storage unit 845 stored in the storage unit.

When the validity of the gift certificate account opening application information is confirmed by the validity confirming unit 820, the information storage unit 845 includes the customer information, account attribute information, and issueable gift certificates included in the gift certificate account opening application information. And gift voucher account information including at least one of information and wireless terminal information in the storage medium 875.

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 875. Preferably, the storage medium 875 stores the gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information.

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in a DBMS provided on the financial system 880, the information storage unit 845 is included in the received gift certificate account opening application information. The gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information is provided on the financial system 880 by providing the information system through an external system on the financial system 880. It is desirable to store in a DBMS.

Referring to FIG. 8, an electronic document for receiving a predetermined gift certificate account opening application electronic document from the financial institution server 800 provided on the gift certificate account opening system is stored and managed in a predetermined electronic document D / B 870. The document server 850 includes an electronic document receiving unit 855 for receiving a predetermined gift certificate account opening request electronic document from the financial institution server 800 through a predetermined communication means, and the received gift certificate account opening request electronic document. An information generation unit 860 for generating predetermined electronic document management information for storage and management in the electronic document D / B 870, and the electronic document management information and the electronic document opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 865 for storing in the electronic document D / B 870.

The electronic document receiving unit 855 is characterized in that for receiving an electronic document to open a gift certificate account in the form of an image file and / or document file from the financial institution server 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 855 may receive a gift certificate account opening request electronic document received through the communication means, and the financial institution server 800 may open a gift certificate account received from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document content including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. At least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account in document content including at least one financial product information, issueable gift certificate information, and wireless terminal information. After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processor file including at least one or a web document file including an MHT) Is recommended.

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. An image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of financial product information, issueable gift certificate information, and wireless terminal information. It is preferable to comprise a.

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. Opening the gift certificate account in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of financial product information, issueable gift certificate information, and wireless terminal information. After including at least one of the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information in a watermarking (watermarking) method, an image file including the image content including the watermarking; It is preferable to comprise.

According to another embodiment of the present invention, the electronic document receiving unit 855 receives the gift certificate account opening application electronic document received through the communication means is a gift certificate account received by the financial institution server 800 from the terminal device 890 Image contents captured by document information including at least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information (eg, generated by capturing the document content on a memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. Opening the gift certificate account in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of financial product information, issueable gift certificate information, and wireless terminal information. Generate image content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information by a watermarking method, and generate the image content including the watermarking. Document file that contains (for example, Portable Document Format (PDF) file, or EDI (Electronic Data Interchange) It comprises a work, or a word processor including at least one of HWP / DOC, file, or web page file containing the MHT, etc.) are preferred.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 855 receives the gift certificate account opening application electronic document received through the communication means the gift certificate received by the financial institution server 800 from the terminal device 890 Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the account opening application information. A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including an image content) and application information for opening a gift certificate account. Processor file, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives the gift certificate account opening request electronic document received through the communication means, the customer information included in the gift certificate account opening application information received by the financial institution server 800 from the terminal device 890. Opening the gift certificate account in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of financial product information, issueable gift certificate information, and wireless terminal information. Generating image content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information by a watermarking method, and the image content including the watermarking; A document file (for example, PDF (Portable Document Format) file containing the gift certificate account application information) One, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to a gift certificate account opening application electronic document received through the electronic document receiving unit 855, and through the electronic document receiving unit 855 And generating electronic document management information including electronic document storage date and time information including a date and time at which the gift certificate account opening request electronic document was received (or a date and time at which the gift certificate account opening request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 860 opens the gift certificate account with reference to the financial institution server 800 which has transmitted the electronic document receiving application electronic document received through the electronic document receiving unit 855. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 855, the information generating unit 860 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the application information for opening a gift certificate account, and / or financial institution information for transmitting the gift certificate account opening request document, and / or electronic document file format information, and And / or the electronic document management information further including the gift certificate account application information).

The electronic document storage unit 865 associates a gift certificate account opening application electronic document received through the electronic document receiving unit 855 with electronic document management information generated through the information generating unit 860 to process a predetermined electronic document. It is characterized in that the storage in the D / B (870).

According to the exemplary embodiment of the present invention, the financial institution server 800 stores the electronic device storage 865 in the electronic document D / B 870, and the electronic institution storage application electronic document is stored in the electronic document D / B 870. A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account received from Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. Customer information, financial product information, issueable gift certificate information, wireless information included in the application information for opening a gift certificate account in document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the information. After including at least one or more information of the terminal information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). desirable.

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. Image content that captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the information (eg, image content generated by capturing the document content on a memory). It is preferable to include an image file containing a).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. Image content that captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the information (eg, image content generated by capturing the document content on a memory). ) At least one or more of the customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information to open the gift certificate account in a watermarking method, and then the image content including the watermarking. It is preferable to include an image file including a.

According to another embodiment of the present invention, the electronic document storage unit 865 is stored in the electronic document D / B (870), the electronic document voucher application request electronic document is the financial institution server 800 is the terminal device 890 Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account received from A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT).

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by the financial institution server 800 from the terminal device 890. Image content that captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the information (eg, image content generated by capturing the document content on a memory). ) Generates image content including at least one or more of the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in a watermarking manner. Document files containing image content with markings (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores the electronic certificate D / B (870) in the electronic voucher account opening application electronic document is the financial institution server 800 is the terminal device ( Image content (eg, the document content) which captures document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account received from 890. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content generated by capturing the image in memory and the application information for opening the gift certificate account. And at least one word processor file or at least one web document file including the MHT.

Alternatively, the electronic document storage unit 865 may request to open a gift certificate account, which is stored in the electronic document D / B 870, by opening the gift certificate account received by the financial institution server 800 from the terminal device 890. Image content capturing document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information (for example, an image generated by capturing the document content on a memory). Content image) including at least one or more information of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account in a watermarking manner. A document file (for example, PDF (Portable Document Format) containing image content including marking and application information for opening the gift certificate account) File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the electronic document opening request electronic document is stored in the electronic certificate opening account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by processing the electronic document storage unit 865 in association with the electronic document opening request electronic document is the gift certificate account. The financial institution server 800 that has transmitted the opening application electronic document preferably further includes information on the financial institution that has transmitted the application for opening the gift certificate account.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 865 processes the connection with the electronic certificate opening application electronic document and the The electronic document management information stored in the electronic document D / B 870 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the application information for opening the gift certificate account, and / or the gift certificate account). Financial institution information for transmitting the opening application electronic document, and / or electronic document file format information, and / or application information for opening the gift certificate account, etc.).

FIG. 9 illustrates an implementation method in which a storage medium 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner is provided in a DBMS on a financial system 880 according to an embodiment of the present invention. to be.

In more detail, in FIG. 9, the storage medium 875 shown in FIG. 8 is the ledger D / B 885 provided in the DBMS on the financial system 880, or is provided in the ledger D / B 885. In this case, the information structure for an embodiment of the method for storing the gift certificate account information in the ledger information provided in the ledger D / B (885), if the person of ordinary skill in the art By referring to and / or modifying the drawing 9, various information construction methods for storing the gift certificate account information in the ledger D / B 885 may be inferred, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 885 provided in the DBMS on the financial system 880 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the gift voucher account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 885 provided in the DBMS on the financial system 880 includes at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodic reception information including at least one or more of an extension period, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 9, the storage medium 875 includes the ledger D / B 885 or the implementation method provided in the ledger D / B 885 according to an embodiment of the present invention. Gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information provided through the gift certificate account opening system shown in FIG. And is stored in the form of additional information to be added.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the gift certificate issuer information may include information about an institution (eg, an institution) of a gift certificate issuer that issues a gift certificate to be issued (or used) when the blank gift certificate value deposited in the gift certificate account is issued (or used). Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile Internet using the mobile phone owned by the customer and accesses the financial company server 800 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial company server 800 through the mobile internet, the chip recognition information of the mobile phone is checked, and the identified chip recognition It is desirable to access the details of the gift voucher account corresponding to the information.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 800 through the mobile internet, the terminal information of the mobile phone is checked and the confirmed terminal information is displayed. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

According to another exemplary embodiment of the present invention, the application information for opening the gift certificate account is stored in the form of information included in the account ledger (not shown), and / or in another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

10 illustrates a ledger D / B having a storage medium 875 for storing voucher account information corresponding to a voucher account opened in a non-face-to-face manner in accordance with another embodiment of the present invention. 885 is a diagram illustrating an implementation method including a database associated with the method.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 875 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 885 provided in the DBMS on the financial system 880. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 and store the gift certificate account information in a predetermined database in the ledger D / B 885. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the gift certificate account information in the ledger information of the ledger D / B 885 on the DBMS provided on the financial system 880 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 885 of the company, or the system expansion is not easy due to the nature of the financial system 880), the gift certificate account in a predetermined database instead of the ledger D / B 885. A method of storing information and storing the information in association with the database and the ledger D / B 885 is illustrated.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 as in the embodiment shown in FIG. 10, and a database on the Internet banking system according to the intention of a person skilled in the art; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 875 includes a database associated with the ledger D / B 885 provided in the DBMS on the financial system 880. And store the gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account. The gift certificate account information is stored in the ledger. It is preferable that the CIF number corresponding to the ledger information is further included in the gift certificate account information to be linked to the D / B 885.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile Internet using the mobile phone owned by the customer and accesses the financial company server 800 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial company server 800 through the mobile internet, the chip recognition information of the mobile phone is checked, and the confirmed chip recognition information. It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 800 through the mobile internet, the terminal information of the mobile phone is checked and the confirmed terminal information is displayed. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

11 illustrates an implementation method including a DBMS provided in a banking server with a storage medium 875 for storing gift certificate account information corresponding to a gift certificate account opened in a non-face-to-face manner according to another embodiment of the present invention. Drawing.

In more detail, in Figure 11, the storage medium 875 shown in Figure 8 is provided with a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of configuring information on gift certificate account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 11, wherein the storage medium 875 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the application information for opening a gift certificate account. And gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the information.

The financial product information is information corresponding to the gift certificate account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the gift certificate account, and a depositing method for the gift certificate account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The issueable gift certificate information includes gift certificate type information, gift certificate issuing agency information, and gift certificate issue amount for issuing (or using) a blank gift certificate value deposited in the financial account as a predetermined gift certificate through a financial account corresponding to the gift certificate account. It is preferable to include at least one or more information, discount rate (or premium rate) information.

For example, the gift certificate type information may be used when issuing (or using) a blank gift certificate value deposited in the gift certificate account as a predetermined gift certificate, and the type of gift certificate to be issued (or used) (for example, Lotte Department Store Gift Certificate, Shinsegae Department Store Gift Certificate, etc.). It is preferable to comprise a.

In addition, the information on the gift voucher issuing organization information (e.g., the institution of the gift voucher issuing organization that issues the voucher to be issued (or used) when issuing (or using) a blank gift voucher value deposited in the gift voucher account. Name, business number, address, telephone number, e-mail address, etc.), and in connection with a predetermined gift certificate issuance registration system (not shown) corresponding to the institution by joining the institution as a gift certificate issuer to be issued through the gift certificate account. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880.

The wireless terminal information may include a mobile phone owned by the customer in addition to a gift certificate account corresponding to the gift certificate account or a card associated with the gift certificate account, in order to use the gift certificate account when the customer opens the gift certificate account. It is preferable to include a mobile phone number, chip recognition information, the terminal information for the terminal and may be changed according to the intention and purpose of those skilled in the art.

For example, when the customer accesses the mobile Internet using the mobile phone owned by the customer and accesses the financial company server 800 through the mobile internet, the mobile phone number is provided through the mobile communication company connected to the mobile phone. It is preferable to access the details of the gift certificate account corresponding to the provided mobile number.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial company server 800 through the mobile internet, the chip recognition information of the mobile phone is checked, and the confirmed chip recognition information. It is desirable to access the details for the gift certificate account corresponding to.

In addition, when the customer accesses the mobile Internet using the mobile phone owned by the customer, and accesses the financial institution server 800 through the mobile internet, the terminal information of the mobile phone is checked and the confirmed terminal information is displayed. It is desirable to access the details for the corresponding gift certificate account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 880 associated with the gift voucher account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the name of the account holder of the financial account, when the customer subscribes to the financial account corresponding to the gift certificate account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

12A and 12B illustrate a process of opening a gift certificate account for depositing a blank gift certificate value into a gift certificate account in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 12A and 12B illustrate a web in which a terminal device 890 on the gift voucher account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through predetermined network means. In the case of having a server function, a predetermined customer may store customer information, financial product information, issueable gift certificate information, and wireless terminal information through the client terminal in order to open a gift certificate account for depositing a blank gift certificate value in a gift certificate account. When providing the gift certificate account opening application information including at least one, based on the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, wireless terminal information in the gift certificate account opening system. Reminding you to deposit a blank gift certificate value in the gift certificate account The present invention relates to a method for opening and processing a gift certificate account, and a person of ordinary skill in the art to which the present invention pertains refers to the financial company server 800 in the client terminal by referring to and / or modifying the drawings 12a and 12b. Various implementation methods for registering the gift certificate account opening application information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the embodiment shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the application information for opening a gift certificate account and storing the electronic document in an electronic document storage, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, the implementation method illustrated in FIGS. 12A and 12B provides a user interface through which the client terminal inputs (or selects) the application information for opening the gift certificate account through a predetermined web page provided by the financial institution server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, financial product information, issueable gift certificate information, and wireless terminal information transmitted to the financial institution server 800 are referred to as "gift certificate account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and the gift certificate. When requesting a web page including a user interface for depositing a blank gift certificate value in an account (1200), the server correspondingly includes at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. A web page including a user interface for inputting (or selecting) gift certificate account opening application information to be transmitted to the server is generated. The web page including the generated (or extracted) user interface is transmitted to the terminal and output (1210) through the network means.

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the procedure for registering the gift certificate account application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one or more customer information, financial product information, issueable gift certificate information, and wireless terminal information through a user interface included in the web page (1215). .

If the terminal receives (or selects) a gift certificate account opening application information including the customer information, financial product information, issueable gift certificate information, and wireless terminal information (1220) through the user interface, the terminal receives the communication channel. In operation 1225, the inputted (or selected) customer information, financial product information, issueable gift certificate information, and wireless terminal information are transmitted to the server.

According to an embodiment of the present invention, the terminal is connected to the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, wireless terminal information for the gift certificate account opening application information from the server. At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, based on a symmetric key) for application information for opening a gift certificate account including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, based on a symmetric key) for application information for opening a gift certificate account including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), for checking the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

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

Thereafter, the server receives and reads the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information through the communication channel to confirm the validity of the application information for opening the gift certificate account (1230).

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

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the server verifies the validity of the received gift certificate account opening application information by checking the electronic signature attached to the gift certificate account opening application information. It is preferable.

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

According to an embodiment of the present invention, when the gift certificate account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the gift certificate account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the server opens the gift certificate account. It is preferable to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include checking whether the information matches the financial product information stored in the financial product D / B (not shown).

If the validity of the gift certificate account opening application information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240), and the procedure for opening the gift certificate account is performed. Do not perform.

On the other hand, if the validity of the gift certificate account application information is authenticated (1235), the server includes at least one or more customer information, financial product information, issueable gift certificate information, wireless terminal information including the gift certificate account application information A predetermined document content is generated (1245), and a predetermined gift certificate account opening application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. A document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document including an MHT) File, etc.) is preferably processed as an electronic document for the application of opening a gift certificate account for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and the gift certificate account in the document content. A document file including document contents including the watermarking after including at least one or more information of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application for registration. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) to the gift certificate account. It is advisable to treat the blank voucher value as an electronic document to apply for a voucher account for the deposit.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including the image content (for example, image content generated by capturing the document content on a memory) into a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). After including the in a watermarking (Watermarking) method, it is preferable to process the image file containing the image content including the watermarking as a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). Generating image content including the watermarking method, and including a document file including the watermarking image content (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or Word processor file containing at least one HWP / DOC, etc., or a web document containing the MHT File, etc.), it is preferable to process the blank voucher value in the voucher account as an electronic document for application to open a voucher for deposit.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. And a predetermined document file (eg, PDF (Portable Document) containing image content (eg, image content generated by capturing the document content on a memory) and the gift certificate account opening request information. A blank gift certificate value to the gift certificate account by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is advisable to treat this as an electronic document for filing a gift voucher account for the deposit.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). To generate an image content including a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or an EDI file) including the watermarking image content and the application information for opening a gift certificate account. Electronic Data Interchange) or Word Processor that includes at least one or more HWP / DOC File, or by creating a web page file, and so on) containing the MHT, opened voucher account for depositing the blank, voucher value on the voucher account, it is preferable to apply processing to an electronic document.

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

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 870, whereby the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by the process of linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (870).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selection) of the gift certificate account opening request information and / or financial institution information transmitting the gift certificate account opening request electronic document). , And / or electronic document file format information, and / or the gift certificate account opening application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1260), the server is based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account The financial account information is generated (1265).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in connection with the financial system 880. Open and process a financial account in the name of the customer (1270).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to correspond to the application information for opening the gift certificate account. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account, to a predetermined storage medium 875. Save (1275)

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And voucher account information including at least one or more account attribute information, issueable voucher information, and wireless terminal information, in the storage medium 875.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the account included in the received gift certificate account opening application information. Providing gift certificate account information including at least one of attribute information, issueable gift certificate information, and wireless terminal information as an information system through an external system on the financial system 880 and storing it in a DBMS provided on the financial system 880. desirable.

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), At this time, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885, Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of opening a gift certificate account for depositing a blank gift certificate value in a gift certificate account according to one embodiment of the present invention.

More specifically, FIGS. 13A, 13B, and 13C illustrate a case in which the system for opening a gift certificate account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, opening a gift certificate account shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits application information for opening a gift certificate account to the internet banking server in order to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account, the customer information and the financial product in the internet banking server. Gift certificate accounts containing at least one of: information, issueable gift certificate information, and wireless terminal information The present invention relates to an implementation method of opening and processing a gift certificate account for depositing a blank gift certificate value in the gift certificate account based on the application information. Although various implementation methods for registering the gift certificate account opening application information may be inferred through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawing 13c, the present invention includes all the implementation methods inferred above. However, the present invention is not limited to the embodiment shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a gift certificate account opening application information between the client terminal and the Internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and internet Although it is possible to infer a method of connecting an Internet banking-based financial transaction channel for registering a gift certificate account registration information between king servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-facing channel-based financial transaction channel for registering a gift certificate account registration information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

Here, the blank gift certificate value means that the value deposited in the gift certificate account means a gift certificate value in a state where the type of gift certificate is not determined, and may be changed according to the intention and purpose of those skilled in the art.

For example, if a gift voucher value of one million won is deposited in the gift voucher account, the customer who owns the gift voucher account can selectively use a plurality of gift vouchers affiliated with a financial institution that has opened the voucher account within a limit of one million won. To use all of the blank gift vouchers worth 1 million won as a voucher for a particular store, or 500,000 won out of 1 million won as a voucher for the store, and the remaining 500,000 won as vouchers for other stores. It is preferable.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the application information for opening a gift certificate account. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registration of a gift certificate account application information in the terminal. Attach a predetermined digital signature to information (or data) to be performed and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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

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

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering application information for opening a gift certificate account for depositing a blank gift certificate value from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for depositing a blank gift certificate value in the gift certificate account to the server through an internet banking-based financial transaction channel (1300b), the server correspondingly requests the customer information. Generating (or extracting) a web page including a user interface for inputting (or selecting) a gift certificate account application request information including at least one of financial product information, issueable gift certificate information, and wireless terminal information to be transmitted to the server. 1305b, the webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page is a user interface for inputting (or selecting) gift certificate account opening application information including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information in the terminal. Preferably, and / or predetermined password and / or security card information (e.g., in the process of applying for internet banking) to confirm the validity of the Internet banking customer requesting to register the application information for opening the gift certificate account. The security card information printed on the security card issued to the user and / or the one time password (OTP) (e.g., during the internet banking application process (or after the banking application), an OTP authenticator (or OTP authentication program) provided to the customer by a financial institution. A one-time password generated via desirable.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the gift certificate account application information, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information through the financial account opening interface (1315b).

If the terminal inputs (or selects) a gift certificate account opening application information including the customer information, financial product information, issueable gift certificate information, and wireless terminal information (1320b) through the user interface, the terminal receives the financial transaction. The application information for opening a gift certificate account inputted through the channel (or selected) is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal is connected to the gift certificate account opening application information including at least one of the customer information, financial product information, issueable gift certificate information, wireless terminal information for the gift certificate account opening application information from the server. At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, based on a symmetric key) for application information for opening a gift certificate account including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, based on a symmetric key) for application information for opening a gift certificate account including at least one of the customer information, financial product information, issueable gift certificate information, and wireless terminal information. An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), for checking the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

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

Thereafter, the server receives and reads the gift certificate account opening application information through the financial transaction channel and checks the validity of the gift certificate account opening application information (1330b).

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

Alternatively, when a predetermined electronic signature is attached to the gift certificate account opening application information, the server verifies the validity of the received gift certificate account opening application information by checking the electronic signature attached to the gift certificate account opening application information. It is preferable.

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

According to an embodiment of the present invention, when the gift certificate account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the gift certificate account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received gift certificate account opening application information by comparing and authenticating the password received included in the gift certificate account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the gift certificate account opening application information, the server opens the gift certificate account. It is preferable to verify the validity of the received gift certificate account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gift certificate account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the gift certificate account opening application information, the server requests to open the gift certificate account. The validity of the received gift certificate account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the gift certificate account opening application information is matched with the gift certificate account opening application information on the ledger D / B 885 on the financial system 880 associated with the gift certificate account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the gift certificate account application information may be performed by using a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the gift certificate account application information is linked to the gift certificate account opening system ( It is preferable to include checking whether it matches the customer ledger stored in the ledger D / B 885 on 880.

In addition, the validity confirmation of the gift certificate account opening application information, the information contained in the gift certificate account opening application information, the financial system information associated with the gift certificate account opening system financial system 880 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the gift certificate account opening application information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b), and the procedure for opening the gift certificate account is performed. Do not perform.

On the other hand, if the validity of the gift certificate account application information is authenticated (1335b), the server includes at least one or more customer information, financial product information, issueable gift certificate information, wireless terminal information including the gift certificate account application information; A predetermined document content is generated (1345b), and a predetermined gift certificate account opening application electronic document including the document content is generated (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. A document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document including an MHT) File), etc., as an electronic document for applying for a gift certificate account for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and the gift certificate account in the document content. A document file including document contents including the watermarking after including at least one or more information of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the application for registration. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) to the gift certificate account. It is advisable to treat the blank voucher value as an electronic document to apply for a voucher account for the deposit.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. It is preferable to process an image file including the image content (for example, image content generated by capturing the document content on a memory) into a gift certificate account opening application electronic document for depositing a blank gift certificate value in the gift certificate account.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). After including the in a watermarking (Watermarking) method, it is preferable to process the image file containing the image content including the watermarking as a gift certificate account application electronic document for depositing a blank gift certificate value in the gift certificate account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby requesting to open a gift certificate account for depositing a blank gift certificate value in the gift certificate account. It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). Generating image content including the watermarking method, and including a document file including the watermarking image content (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or Word processor file containing at least one HWP / DOC, etc., or a web document containing the MHT File, etc.), it is preferable to process the blank voucher value in the voucher account as an electronic document for application to open a voucher for deposit.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information. And a predetermined document file (e.g., PDF (for example, image content generated by capturing the document content on a memory) generated by capturing the document content and the application information for opening the gift certificate account. A portable gift format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to treat the value as an electronic document for application to open a gift certificate account for deposit.

Alternatively, the server generates document content including at least one of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the received gift certificate account opening application information, and captures the document content. At least one or more of customer information, financial product information, issueable gift certificate information, and wireless terminal information included in the gift certificate account application information in the image content (for example, image content generated by capturing the document content on a memory). To generate an image content including a watermarking method, and a document file (for example, a PDF (Portable Document Format) file or an EDI file) including the watermarking image content and the application information for opening a gift certificate account. Electronic Data Interchange) or Word Processor that includes at least one or more HWP / DOC File, or by creating a web page file, and so on) containing the MHT, opened voucher account for depositing the blank, voucher value on the voucher account, it is preferable to apply processing to an electronic document.

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

Thereafter, the server stores the generated gift certificate account opening application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the gift certificate account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated gift certificate account opening application electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on the DBMS provided in the gift certificate account opening system, the server sends the generated gift certificate account opening application electronic document to the electronic document storage on the DBMS provided in the gift certificate account opening system. It is possible to store in the corresponding electronic document D / B 870, by which the present invention is not limited.

According to the method of the present invention, storing the gift certificate account opening application electronic document in the electronic document storage, as shown in Figure 8 by the process of linking the generated gift certificate account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (870).

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

The electronic document management information may further include financial institution information that transmits the electronic certificate application request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selection) of the gift certificate account opening request information and / or financial institution information transmitting the gift certificate account opening request electronic document). , And / or electronic document file format information, and / or the gift certificate account opening application information).

If the electronic document storage application electronic document is stored in the electronic document storage (1360c), the server is based on the customer information, financial product information, issueable gift certificate information, wireless terminal information included in the application information to open the gift certificate account The financial account information is generated (1365c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the gift certificate account opened based on the application information for opening the gift certificate account, and when the gift certificate account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server includes the financial account information based on the customer information, the financial product information, the issueable gift certificate information, and the wireless terminal information included in the application information for opening the gift certificate account in connection with the financial system 880. Open a financial account in the name of the customer (1370c).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the gift certificate account opening application information. By opening a predetermined financial account for depositing a blank gift certificate value in the gift certificate account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates gift certificate account information including at least one of the customer information, account attribute information, issueable gift certificate information, and wireless terminal information included in the application information for opening a gift certificate account, to a predetermined storage medium 875. Save (1375c)

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the customer information included in the received gift certificate account opening application information. And voucher account information including at least one or more account attribute information, issueable voucher information, and wireless terminal information, in the storage medium 875.

According to another embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the customer information and the account included in the received gift certificate account opening application information. Providing gift certificate account information including at least one of attribute information, issueable gift certificate information, and wireless terminal information as an information system through an external system on the financial system 880 and storing it in a DBMS provided on the financial system 880. desirable.

Thereafter, the server sets predetermined financial account opening history information (eg, the gift certificate account opening history, and / or the details of storing the gift certificate account opening application electronic document in the electronic document storage, and / or the storage medium 875). The details of storing the gift certificate account opening application information) are generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 875 is preferably provided in a DBMS on the financial system 880 provided on the gift certificate account opening system (or associated with the gift certificate account opening system), In this case, the storage medium 875 may be a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885. The present invention is not limited thereby.

According to another method of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift voucher account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a face-to-face voucher and point combination processing system for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account according to an embodiment of the present invention.

More specifically, FIG. 14 includes at least one of customer information, point provider information, exchange rate information, and target account information for processing of exchanged value according to a currency exchange request for a target customer to be deposited in a gift certificate account. After completing and submitting a point exchange application, a predetermined window terminal 1492 acquires predetermined image contents corresponding to the point exchange application through a predetermined image obtaining apparatus, and receives a gift certificate and points through a predetermined information registration interface. When the point exchange request information corresponding to the point exchange application and the image content obtained from the point exchange application are provided to a complex processing system, a predetermined point exchange request electronic document including the image content is generated to generate a predetermined electronic document. Store in the vault, point exchange A system configuration for linking and processing the customer information, point provider information, currency exchange rate information, and deposit target account information included in the information in a predetermined storage medium 1485. Specifically, the electronic document repository has a predetermined communication. Means for implementation on an external system associated with the gift certificate and point complex processing system by means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 14 and combine the gift certificate and point complex processing system for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 14 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the gift certificate and point complex processing system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in Fig. 14, the point exchange request electronic document corresponding to the point exchange application is illustrated as being generated on the server side on the gift certificate and the point composite processing system. The point exchange request electronic document is not limited thereto, and the point exchange request electronic document may be generated at a terminal that has obtained image content corresponding to the point exchange request through a predetermined image obtaining apparatus (eg, generating an electronic document provided at the server side). Function is provided on the terminal side to generate the point exchange request electronic document), whereby the present invention is not limited.

In addition, according to the implementation method shown in FIG. 14, when depositing a point (or point value) provided from the point provider to the gift certificate account, the point (or point value) is exchanged for a gift certificate value (or gift certificate). Although shown by way of depositing, points (or point values) may be deposited directly, thereby limiting the invention.

Hereinafter, the point exchange request information and the image content corresponding to the point exchange request made by the customer are provided through a predetermined information registration interface on the gift certificate and the point composite processing system shown in FIG. A component corresponding to at least one or more means and / or functional configurations that are generated and stored in a predetermined electronic document storage and the point exchange request information is stored in a predetermined storage medium 1485 may be referred to as "information registration server 1400". "

Referring to FIG. 14 in accordance with an embodiment of the present invention, a combination of a gift certificate and a point processing system for processing exchanged value according to a request for exchange for a target point to be deposited in the gift certificate account may include at least one financial institution branch (or Business information) comprises an information registration terminal (1495) including a counter terminal (1492) provided in the office, the information registration terminal (1495) through the predetermined financial network on the gift certificate and point complex processing system The communication channel is connected to the information registration server 1400 provided in the.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account, and the financial institution branch (branch branch) A point exchange application (e.g., a target point to be deposited in the gift certificate account) for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account through a window provided at (or through a teller). A document with a form for filling in at least one item of information for the processing of the exchanged value in accordance with the exchange request. It is desirable to seal the seal.

Subsequently, when the customer submits the completed point exchange application to the teller, the teller scans the point exchange request through a predetermined image obtaining device to obtain a predetermined image content, and a predetermined teller terminal 1492. Input point exchange request information including at least one of image content acquired in response to the point exchange application, customer information written in the point exchange application, point provider information, exchange rate information, and deposit account information; Correspondingly, the counter terminal 1492 transmits the image content and the point exchange request information to the information registration server 1400 provided on the gift certificate and point complex processing system through the financial network. Do.

Here, the window terminal 1492 preferably includes a financial terminal used by an employee of the branch (or branch) of the financial institution, and the information registration server 1400 connected to the window terminal 1492 is the predetermined terminal. It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the teller terminal 1492 and the information registration server 1400 is connected to the teller terminal 1492 and the information. It is preferable to include a current network connecting the communication channel between the registration server 1400.

In the above-described gift certificate and point composite processing system, an image acquisition device for acquiring image contents corresponding to a point exchange application made by the customer, a teller terminal 1492 and the teller terminal 1492 used by the employee; The financial network connecting the information registration server 1400 functions as an information registration interface for registering the point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. Conduct.

The storage medium 1485 provided on the gift certificate and the point composite processing system according to the present invention includes the customer information, point provider information, and exchange rate information included in the point exchange request information provided from the information registration terminal 1495. In addition, the deposit target account information is processed in a predetermined storage medium 1485, characterized in that for storing.

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information may correspond to the points provided by the point provider, and in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the difference for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

According to an embodiment of the present invention, the storage medium 1485 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 1485 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. No.

According to another embodiment of the present invention, the storage medium 1485 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 1400 provided on the gift certificate and point composite processing system according to the present invention is a generic term for the component of the gift certificate and point composite processing system connected to the information registration terminal 1495 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 1495 is a window terminal 1492 connected to a predetermined financial network, the information registration server 1400 is the window terminal 1492 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 1495 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 1495 is a window terminal 1492 connected to a predetermined financial network, the interface unit 1405 is based on the protocol stack defined in the financial network. A communication interface for connecting at least one communication channel with a terminal 1452 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1492 is provided. It is preferable.

Referring to FIG. 14, when the predetermined information registration terminal 1495 connects a predetermined communication channel with the information registration server 1400 through the interface unit 1405, the gift certificate. Acquire image contents corresponding to the point exchange application written by the customer through a predetermined image acquisition device provided in the information registration terminal 1495 for processing the exchanged value according to the exchange request for the target point to be deposited in the account. And generating (or extracting) at least one user interface for inputting (or selecting) point exchange request information corresponding to the point exchange application and transmitting the same to the information registration server 1400, and the interface unit 1405. The interface providing unit 1410 (or the interworking unit) to provide the generated (or extracted) user interface to the information registration terminal 1495 in conjunction with the E) providing means and the point exchange request information corresponding to the point exchange request application through the user interface is input (or selected) and transmitted in connection with the interface unit 1405. The information receiving unit 1415 (or information receiving means) for receiving the point exchange request information transmitted from the information registration terminal 1495 and the predetermined image obtaining apparatus based on the user interface in the information registration terminal 1495. When the image content corresponding to the point exchange application prepared by the customer is obtained and transmitted, the image receiving unit 1415 (or the image receiving unit) receives the image content corresponding to the point exchange application in connection with the interface unit 1405. It is characterized by comprising a).

The interface providing unit 1410 connects a predetermined communication channel with the information registration server 1400 through the interface unit 1405 through the interface unit 1405, and then sends the information registration server 1400 to the information registration server 1400. When requesting a user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account, the point exchange application made by the customer through a predetermined image acquisition device provided in the information registration terminal 1495 Generate at least one user interface for acquiring corresponding image contents, inputting (or selecting) point exchange request information corresponding to the point exchange application, and transmitting the same to the information registration server 1400 through the financial network. And / or extract from a predetermined database (not shown), and generate the above-mentioned (in conjunction with the interface unit 1405) And the extracts) a user interface, characterized in that provided in the information registering terminal 1495 through the financial network.

According to another embodiment of the present invention, the information registration terminal 1495 acquires image contents corresponding to the point exchange application written by the customer through a predetermined image acquisition device, and provides point exchange request information corresponding to the point exchange application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the information to the information registration server 1400 through the financial network is provided, Obtaining the image content corresponding to the point exchange application prepared by the customer through the input, or input (or select) the point exchange request information corresponding to the point exchange application to generate a user interface for transmitting to the information registration server 1400 (Or extracted) and provided to the information registration terminal 1495 The face providing unit 1410 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1495 inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface. The input (or selected) point exchange request information is transmitted to the information registration server 1400 through the financial network. In response thereto, the information receiving unit 1415 is connected to the interface unit 1405 and the information registration terminal. And receiving the point exchange request information transmitted from 1495.

In addition, the information registration terminal 1495 obtains the image content corresponding to the point exchange application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image registration unit 1415 receives the image content corresponding to the point exchange application in association with the interface unit 1405.

According to another exemplary embodiment of the present invention, the information registration terminal 1495 acquires image content corresponding to the point exchange application written by the customer through a predetermined image acquisition device, and is provided in the information registration terminal 1495. When the information is stored in a predetermined storage device (or associated), the information registration terminal 1495 may correspond to a point exchange application written by the customer among at least one or more image contents previously stored in the storage device through the user interface. The image content is selected and transmitted to the information registration server 1400 through the financial network. In response thereto, the image receiver 1415 is connected with the interface unit 1405 to correspond to the point exchange application. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 1495 transmits the image content corresponding to the point exchange application written by the customer and the point exchange request information corresponding to the point exchange application through the user interface. In this case, the information receiving unit 1415 may receive the image content corresponding to the point exchange application and the point exchange request information together with the interface unit 1405 (for example, the image receiving unit 1415 may include the image receiving unit 1415). Integrated into the information receiving unit 1415), whereby the present invention is not limited.

Referring to FIG. 14, when the point exchange request information transmitted from the information registration terminal 1495 is received through the information receiving unit 1415, the information registration server 1400 receives the point exchange request information. Validation unit 1425 (or validation means) for confirming that the validity for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account and the validity of the received point exchange request information When the authentication is performed, a point checking unit 1430 (or point checking means) for checking the point of the customer in response to the point provider information included in the point exchange request information, and the points identified for the customer by the point provider A point processing unit 1435 (or point processing means) for converting the blank gift certificate value (or gift certificate) by applying the exchange rate; And a financial transaction processing unit 1435 (or financial transaction processing means) for depositing the previously processed blank gift certificate value (or gift certificate) into a gift certificate account corresponding to the deposit target account information included in the received point exchange request information. Characterized in that made.

The validity checker 1425 receives the point exchange request information transmitted from the information registration terminal 1495 through the information receiving unit 1415, and the received point exchange request information is deposited in the gift certificate account. Characterized by checking whether the validity for the exchange of value processing according to the exchange request for the point.

According to an embodiment of the present invention, the validity check of the point exchange request information includes at least one ledger information matching the point exchange request information in the ledger D / B on the financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 1425 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked to the gift certificate and point complex processing system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the point exchange request information includes preferably checking whether the deposit target account information matches the account ledger stored in the ledger D / B on the financial system associated with the gift certificate and point complex processing system. Do.

When the validity of the received point exchange request information is authenticated, the point confirming unit 1430 sends the point of the customer in response to the point provider information included in the point exchange request information, the point provider server 1490 on the communication network. It is characterized by checking in connection with.

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one or more point values and membership point values of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in conjunction with the point provider server 1490.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

The point processing unit 1435 converts the point identified for the customer into a blank gift certificate value (or gift certificate) by applying an exchange rate for each point provider.

According to the method of the present invention, the conversion of the identified point to a blank gift certificate value (or gift certificate) is preferably performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably exchanged through a predetermined point exchange server associated with the information registration server 1400.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

The financial transaction processing unit 1435 may deposit the converted blank gift certificate value (or gift certificate) into a gift certificate account corresponding to the deposit target account information included in the received point exchange request information.

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Referring to FIG. 14, the information registration server 1400 receives the image content transmitted from the information registration terminal 1495 through the image receiving unit 1415, and receives the point through the validity checking unit 1425. When the validity of the exchange request information is authenticated, an electronic document generation unit 1445 for generating a predetermined point exchange request electronic document including the received image content, and the generated point exchange request electronic document are included in the gift certificate. And an electronic document transmission unit 1450 for transmitting to the electronic document repository associated with the point complex processing system.

The electronic document generating unit 1445 generates a point exchange request electronic document including the image content received from the information registration terminal 1495 through the image receiving unit 1415.

According to an exemplary embodiment of the present invention, the electronic document generating unit 1445 stores an image file including the image content received from the information registration terminal 1495 through the image receiving unit 1415 into the gift certificate account. It is preferable to process the point exchange request electronic document for processing the converted value according to the exchange request for the point to be deposited.

Alternatively, the electronic document generating unit 1445 may be included in the point exchange request information received through the information receiving unit 1415 in the image content received from the information registering terminal 1415 through the image receiving unit 1415. Exchange request for a target point for depositing an image file corresponding to an image content including at least one of customer information, point provider information, exchange rate information, and target account information by watermarking in the gift certificate account It is desirable to generate a point exchange application electronic document for the exchange of value processing according to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1445 includes a predetermined document file (eg, the image content received from the information registration terminal 1495 through the image receiving unit 1415). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request for the target point to be deposited.

Alternatively, the electronic document generating unit 1445 may be included in the point exchange request information received through the information receiving unit 1415 in the image content received from the information registering terminal 1415 through the image receiving unit 1415. Generates image content including at least one or more of customer information, point provider information, currency exchange rate information, and deposit target account information by watermarking, and includes a predetermined document file including the generated image content (eg, , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is recommended to generate a point exchange application electronic document for processing the exchanged value according to the exchange request for the point to be deposited in Is recommended.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1445 may receive the image contents and the information receiving unit 1415 received from the information registration terminal 1495 through the image receiving unit 1415. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received point exchange request information, or an MHT. By generating a web document file, etc.), it is preferable to generate a point exchange application electronic document for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the electronic document generating unit 1445 may be included in the point exchange request information received through the information receiving unit 1415 in the image content received from the information registering terminal 1415 through the image receiving unit 1415. Generating image content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information by a watermarking method, and including the generated image content and the point exchange request information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Generating a point exchange for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. To generate an electronic document is preferred.

In the technical field to which the present invention pertains, the electronic document generating unit 1445 generates a point exchange request electronic document in an image file format and / or a predetermined document file format, and the point. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the exchange request electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1450 transmits and stores the point exchange request electronic document generated by the electronic document generating unit 1445 to a predetermined electronic document repository associated with the gift certificate and a point composite processing system. It is done.

As shown in FIG. 14, the electronic document repository is connected to the information registration server 1400 on the gift certificate and point complex processing system through a predetermined communication means, and the electronic document server 1460 and the electronic document D / B. When the electronic document transmission unit 1450 is provided outside, the electronic document server 1450 transmits the point exchange request electronic document generated by the electronic document generation unit 1445 through the communication means. 1460).

Here, when the electronic document server 1460 and the electronic document D / B 1480 are provided outside of the gift certificate and point complex processing system, the electronic document server 1460 and the electronic document D / B 1480 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the electronic document transmitting unit 1450 is generated by the electronic document generating unit 1445. The point exchange request electronic document can be stored in the electronic document D / B 1480 corresponding to the electronic document storage on the DBMS provided in the gift certificate and point complex processing system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the electronic document transmission unit 1450 exchanges electronic document-related information (eg, point exchange corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 1460. Customer information on which the application was made, and / or financial institution information transmitting the point exchange request electronic document, and / or electronic document file format information, and / or the point exchange request information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 14, the information registration server 1400 exchanges a request for exchange of points for which point exchange request information received through the information receiver 1415 is deposited in the gift certificate account through the validity checker 1425. When the validity for the exchanged value processing according to the authentication is authenticated, the predetermined storage medium by linking the customer information, the point provider information, the exchange rate information, the deposit target account information included in the point-exchange request information of which the validity is verified And an information storage unit 1455 to store in 1485.

When the validity of the point exchange request information is confirmed by the validity check unit 1425, the information storage unit 1455 may include customer information, point provider information, exchange rate information, and deposit target included in the point exchange request information. Characterized in that the account information is stored in the storage medium 1485 in association with the storage medium, the storage medium 1485 is provided in the information registration server 1400, or on the network associated with the information registration server 1400 When provided in the, the information storage unit 1455 is stored in the storage medium 1485 by processing the customer information, the point provider information, the exchange rate information, the deposit target account information included in the received point exchange request information Preferably, if the storage medium 1485 is provided in a DBMS provided on the financial system, the information storage unit 1455 is in accordance with the received point exchange request information It contained the customer information, the point provider information, exchange rate information, deposit account information, the destination through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 14, a predetermined point exchange request electronic document is received from the information registration server 1400 provided on the point certificate processing system and stored and managed in a predetermined electronic document D / B 1480. The electronic document server 1460 includes an electronic document receiving unit 1465 for receiving a predetermined point exchange request electronic document from the information registration server 1400 through a predetermined communication means, and the received point exchange request electronic document. An information generation unit 1470 for generating predetermined electronic document management information for storage and management in the electronic document D / B 1480, and the electronic document management information and the point exchange request electronic document in a predetermined manner. And an electronic document storage unit 1475 for storing in the document D / B 1480.

The electronic document receiving unit 1465 receives the point exchange request electronic document in the form of an image file and / or a document file from the information registration server 1400 through the communication means.

According to an embodiment of the present invention, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is the image content received by the information registration server 1400 from the information registration terminal 1495. It is preferable that the image file including the same as it is made.

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is the point exchange request information on the image content received by the information registration server 1400 from the information registration terminal 1495. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, point provider information, exchange rate information, the deposit target account information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is an image received by the information registration server 1400 from the information registration terminal 1495. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is included in the point exchange request information on the image content received by the information registration server 1400 from the information registration terminal 1495. A predetermined document file (eg, Portable Document Format (PDF)) containing image content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information in a watermarking manner. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT).

According to another exemplary embodiment of the present invention, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is received by the information registration server 1400 from the information registration terminal 1495. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content and the point exchange request information; Or a web document file including the MHT).

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 1465 through the communication means is included in the point exchange request information on the image content received by the information registration server 1400 from the information registration terminal 1495. Image content including at least one or more of the included customer information, point provider information, exchange rate information, and deposit target account information in a watermarking manner, and a predetermined document file including the point exchange request information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generation unit 1470 uses a predetermined electronic document unique number (or unique information) to be assigned to the point exchange request electronic document received through the electronic document receiving unit 1465, and the electronic document receiving unit 1465. And generating electronic document management information including electronic document storage date and time information including a date and time at which the point exchange request electronic document was received (or a date and time at which the point exchange request electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 1470 refers to the information exchange server 1400 that transmits the point exchange request electronic document received through the electronic document receiving unit 1465 and requests the point exchange. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1400 through the electronic document receiving unit 1465, the information generating unit 1470 may receive the received information. Electronic document-related information (e.g., customer information that has created a point exchange application corresponding to the image content, and / or financial institution information transmitting the point exchange request electronic document, and / or electronic document file format information, and / or the It is preferable to generate electronic document management information further including point exchange request information and the like.

The electronic document storage unit 1475 associates the point exchange request electronic document received through the electronic document receiving unit 1465 with the electronic document management information generated through the information generating unit 1470 to process a predetermined electronic document D. / B 1480, characterized in that the storage.

According to an exemplary embodiment of the present invention, the point-exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 is the information registration terminal 195 by the information registration server 1400. It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the point exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 may be the image content received by the information registration server 1400 from the information registration terminal 1495. And an image file corresponding to the image content including at least one or more of the customer information, the point provider information, the exchange rate information, and the target account information included in the point exchange request information in a watermarking manner. It is preferable.

According to another exemplary embodiment of the present invention, the point exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 is the information registration server 1400 by the information registration terminal. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the 1495, Or a web document file including the MHT).

Alternatively, the point exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 may be stored in the image content received by the information registration server 195 from the information registration terminal 1495. A predetermined document file including image content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information in a watermarking manner (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the point exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 is the information registration server 1400 by the information registration terminal. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image contents received from the 1495 and the point exchange request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the point exchange request electronic document stored in the electronic document D / B 1480 by the electronic document storage unit 1475 may be stored in the image content received by the information registration server 195 from the information registration terminal 1495. Image content including at least one or more of the customer information, the point provider information, the exchange rate information, the deposit target account information included in the point exchange request information in a watermarking manner and the predetermined point including the point exchange request information A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1480 by the electronic document storage unit 1475 in association with the point exchange request electronic document is stored in the point exchange request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1480 by the electronic document storage unit 1475 in association with the point exchange request electronic document is stored in the point exchange request. Preferably, the electronic device further includes information on a financial institution that has transmitted the point exchange request electronic document, which has been identified with reference to the information registration server 1400 that has transmitted the electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 1400, the electronic document storage unit 1475 processes the connection with the point exchange request electronic document and the The electronic document management information stored in the electronic document D / B 1480 may include the received electronic document-related information (for example, customer information for creating a point exchange application corresponding to the image content, and / or the point exchange request electronic document). Financial institution information, and / or electronic document file format information, and / or the point exchange request information and the like).

15 is a point stored in the ledger D / B 1500 provided in the DBMS on the financial system in a face-to-face manner for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to an embodiment of the present invention It is a figure which shows the structure of exchange request information.

More specifically, FIG. 15 illustrates the ledger information provided in the ledger D / B 1500 when the storage medium 1485 shown in FIG. 14 is the ledger D / B 1500 provided in the DBMS on the financial system. An information structure for an exemplary embodiment of storing the point exchange request information including the customer information, the point provider information, the exchange rate information, and the deposit target account information is shown in the drawings. If it is a person having, it will be able to infer a variety of information configuration method for storing the point exchange request information in the ledger D / B 1500 by referring to and / or modified in this figure 15, the present invention is all inferred practice It includes a method, and is not limited to the embodiment method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1500 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 1500 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 15, the point exchange request information provided through the gift certificate and the point composite processing system shown in FIG. 14 may be stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, point provider information, currency exchange rate information, deposit account information.

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number assigned by joining the financial institution), etc. May be

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

According to another exemplary embodiment of the present invention, the point exchange request information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (for example, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 16 is linked with the ledger D / B (1500) provided in the DBMS on the financial system in a face-to-face manner for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to another embodiment of the present invention Is a diagram illustrating a point exchange request information configuration stored in a database.

More specifically, FIG. 16 shows an information structure for an embodiment in which the storage medium 1485 shown in FIG. 14 is stored in a predetermined database linked to the ledger D / B 1500 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 16 to link the point exchange request information with the ledger D / B 1500 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 16, when it is not easy to store the point exchange request information in the ledger information of the ledger D / B 1500 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger of the DBMS) If it is not easy to change the D / B 1500 or the system is not easy to expand due to the characteristics of the financial system), the point exchange request information is stored in a predetermined database instead of the ledger D / B 1500. FIG. 4 illustrates an implementation method of linking and storing the database and the ledger D / B 1500.

In addition, the database shown in FIG. 16 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 16, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 16, the database stores and stores the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information. It is preferable that the point exchange request information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 1500.

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing a point provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

FIG. 17 is a diagram illustrating the configuration of point exchange request information stored in a DBMS provided in a banking server in a face-to-face manner in order to process exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to another embodiment of the present invention. One drawing.

In more detail, FIG. 17 illustrates a predetermined banking system in which the storage medium 1485 shown in FIG. 14 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 17 It is possible to infer a method of configuring information on point exchange request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 17, a predetermined DBMS provided in the banking server may store and store customer information, point provider information, exchange rate information, and target account information included in the point exchange request information. .

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

18A and 18B illustrate a process of registering point exchange request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figs. 18A and 18B are window terminals 1492, in which information registration terminals 1495 on the gift certificate and point complex processing system shown in Fig. 14 are provided at financial institution branches (or branch offices). In the case where the server 1400 has a ledger server (not shown) function on the financial system associated with the teller terminal 1492 through a predetermined financial network, a predetermined customer exchanges money for a target point to be deposited in a gift certificate account. If you fill out and submit a point exchange application that includes at least one of customer information, point provider information, exchange rate information, and deposit target account information for processing the exchanged value upon request, a predetermined image is provided at a predetermined counter terminal 1492. Obtain a predetermined image content corresponding to the point exchange application through the obtaining device, and gift certificates and points through a predetermined information registration interface When the point exchange request information corresponding to the point exchange application and the image content obtained from the point exchange application are provided to the sum processing system, a predetermined point exchange request electronic document including the image content is generated to generate a predetermined electronic document. As an embodiment of the present invention, a method of storing the information in a storage medium 1485 by interworking the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information, After obtaining the predetermined image content corresponding to the point exchange application through the predetermined image acquisition device in the window terminal (1492) and transmits it to the information registration server 1400, the point exchange corresponding to the point exchange application Input (or select) the request information to the information registration server 1400 It illustrates an exemplary method of transmitting.

Those skilled in the art to which the present invention pertains may register the point exchange request information from the window terminal 1492 to the information registration server 1400 by referring to and / or modifying the drawings 18a and 18b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 18A and 18B.

For example, in the implementation method shown in FIGS. 18A and 18B, the counter terminal 1492 acquires predetermined image contents corresponding to the point exchange application through a predetermined image acquisition device, and / or the point exchange application. Although the user interface for inputting (or selecting) the point exchange request information corresponding to FIG. 1 is provided as being provided from the information registration server 1400, but the predetermined information registration program is provided in the window terminal 1492, The user interface may not be provided from the information registration server 1400, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1492 shown in FIG. 14 is referred to as "terminal" for convenience, and the information registration server 1400 shown in FIG. 14 is referred to as "server" for convenience. The customer information, the point provider information, the exchange rate information, and the deposit target account information transmitted from the teller terminal 1492 to the information registration server 1400 are referred to as "point exchange request information" for convenience.

Referring to FIGS. 18A and 18B, at least the customer information, the point providing company information, the exchange rate information, and the target account information may be used to process the exchanged value according to the exchange request for the target point that the customer will deposit in the gift certificate account. After completing and submitting a point exchange application including one or more points, the window terminal 1492 shown in FIG. 14 connects to the server through a predetermined financial network and connects to a predetermined communication channel to the point exchange application. When the user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the corresponding gift certificate account is requested (1800), the server correspondingly writes by the customer through a predetermined image acquisition device in the terminal. A user for acquiring predetermined image content corresponding to the point exchange application and transmitting it to the server An interface is generated (or extracted) (1805), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1810).

Thereafter, the terminal acquires image content corresponding to the point exchange application through a predetermined image obtaining apparatus based on the user interface (1815).

If image content corresponding to the point exchange application is obtained through the image acquisition device (1820), the terminal transmits the obtained image content to the server through the financial network (1825).

Thereafter, the server inputs (or selects) point exchange request information including at least one of customer information, point provider information, exchange rate information, and deposit target account information corresponding to the point exchange application matching the image content. A user interface for transmitting to the server is generated (or extracted) (1830), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1835).

Thereafter, the terminal inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface (1840).

If the point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the target account information is input (or selected) through the user interface (1845), the terminal establishes the financial network. The inputted (or selected) point exchange request information is transmitted to the server through 1850.

Thereafter, the server receives and reads point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the financial network to validate the point exchange request information. Check (1855).

According to an exemplary embodiment of the present invention, the validity check of the point exchange request information may include at least one matched with the point exchange request information in the ledger D / B 1500 on a financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1425 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked to the gift certificate and point complex processing system. It is preferable to include a check that matches the customer ledger stored in / B (1500).

In addition, the validity check of the point exchange request information includes checking whether the deposit target account information matches the account ledger stored in the ledger D / B 1500 on the financial system associated with the gift certificate and the point complex processing system. It is preferable to make.

If the validity of the point exchange request information is not authenticated (1860), the server generates predetermined information registration error information and transmits it to the terminal (1865), and performs an information registration procedure corresponding to the point exchange request information. Do not perform.

On the other hand, if the validity of the point exchange request information is authenticated (1860), the server identifies the target point to be exchanged from the point provider server 1490 in response to the point provider information included in the point exchange request information. (1866).

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one or more point values and membership point values of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in conjunction with the point provider server 1490.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

If there is no exchange point (1867), the server generates (or extracts) error information of the point exchange information) and transmits the same to the terminal (1865), and registers information corresponding to the point exchange request information. Do not perform the procedure.

On the other hand, if there is an exchange target point (1867), the server converts the point into a blank gift certificate value (or gift certificate) (1868), and converts the converted blank gift certificate value (or gift certificate) to the transfer target account. The deposit is processed into a financial account corresponding to the information (1869).

According to the method of the present invention, the conversion of the identified point to a blank gift certificate value (or gift certificate) is preferably performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably exchanged through a predetermined point exchange server associated with the information registration server 1400.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server generates a predetermined point exchange request electronic document including the image content (1870).

According to an exemplary embodiment of the present invention, the server may store an image file including the image content received from the information registration terminal 1495 through the image receiving unit 1415 as the target point to be deposited in the gift certificate account. It is preferable to process the point exchange request electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Exchanged value according to the exchange request for the target point for depositing an image file corresponding to the image content including at least one or more information of exchange rate information and target account information in a watermarking manner in the gift certificate account It is preferable to generate a point exchange request electronic document for processing.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 1495 through the image receiving unit 1415. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Generating image content including at least one or more of exchange rate information and deposit target account information by a watermarking method, and including a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to the point to be deposited in the gift certificate account. It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

According to another exemplary embodiment of the present invention, the server exchanges the image content received from the information registration terminal 1495 through the image receiving unit 1415 and the point exchange request information received through the information receiving unit 1415. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a point exchange application electronic document for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. A predetermined document file including the generated image contents and the point exchange request information, and generating image contents including at least one of exchange rate information and deposit target account information in a watermarking manner. , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). The electronic application for the point exchange application for processing the exchanged value in accordance with the exchange request for the point to be deposited in Castle it is preferable to.

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

Thereafter, the server stores the generated point exchange request electronic document in a predetermined electronic document storage (1875).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1460 and an electronic document D / B 1480 associated with the gift certificate and a server on the point complex processing system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated point exchange request electronic document to the electronic document server 1460 through the communication means and stores the electronic document server 1460 in the electronic document D / B 1480. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the server sends the generated point exchange request electronic document to the DBMS provided in the gift certificate and point complex processing system. It is possible to store in the electronic document D / B 1480 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the point exchange request electronic document in the electronic document storage may be performed by linking the generated point exchange request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 1480.

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

The electronic document management information may further include financial institution information that transmits the point exchange request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a point exchange application corresponding to the image content, and / or financial institution information for transmitting the point exchange request electronic document, and / or Electronic document file format information, and / or the point exchange request information and the like).

If the point exchange request electronic document is stored in the electronic document repository (1880), the server processes the customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information. Stored in a predetermined storage medium (1485) (1885), predetermined information registration history information (e.g., the history of storing the point exchange request electronic document in the electronic document storage, and / or the storage medium (1485) The details of storing the point exchange request information) are generated (or extracted) and transmitted to the terminal (1890).

According to an embodiment of the present invention, the storage medium 1485 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 1485 may be a ledger D / B 1500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1500. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1485 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

19A and 19B illustrate a process of registering point exchange request information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figs. 19A and 19B are window terminals 1492 provided with an information registration terminal 1495 on the gift certificate and point complex processing system shown in Fig. 14 at a financial institution branch (or a branch). In the case where the server 1400 has a ledger server (not shown) function on the financial system associated with the teller terminal 1492 through a predetermined financial network, a predetermined customer exchanges money for a target point to be deposited in a gift certificate account. If you fill out and submit a point exchange application that includes at least one of customer information, point provider information, exchange rate information, and deposit target account information for processing the exchanged value upon request, a predetermined image is provided at a predetermined counter terminal 1492. Acquire a predetermined image content corresponding to the point exchange application through the obtaining device, and redeem a gift certificate and points through a predetermined information registration interface When the point exchange request information corresponding to the point exchange application and the image content obtained from the point exchange application are provided to the sum processing system, a predetermined point exchange request electronic document including the image content is generated to generate a predetermined electronic document. As an embodiment of the present invention, a method of storing the information in a storage medium 1485 by interworking the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information, After inputting (or selecting) the point exchange request information corresponding to the point exchange application at the window terminal 1492 to the information registration server 1400, the point exchange application is transferred to the point exchange application through a predetermined image acquisition device. The information registration server 1400 by acquiring corresponding image content. It illustrates an exemplary method of transmitting.

Those skilled in the art to which the present invention pertains may register the point exchange request information from the window terminal 1492 to the information registration server 1400 by referring to and / or modifying the drawings 19a and 19b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 19A and 19B.

For example, in the implementation method shown in FIGS. 19A and 19B, the counter terminal 1492 acquires predetermined image contents corresponding to the point exchange application through a predetermined image acquisition device, and / or the point exchange application. Although the user interface for inputting (or selecting) the point exchange request information corresponding to FIG. 1 is provided as being provided from the information registration server 1400, but the predetermined information registration program is provided in the window terminal 1492, The user interface may not be provided from the information registration server 1400, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1492 shown in FIG. 14 is referred to as "terminal" for convenience, and the information registration server 1400 shown in FIG. 14 is referred to as "server" for convenience. The customer information, the point provider information, the exchange rate information, and the deposit target account information transmitted from the teller terminal 1492 to the information registration server 1400 are referred to as "point exchange request information" for convenience.

Referring to FIGS. 19A and 19B, at least one of customer information, point provider information, exchange rate information, and deposit target account information may be used to process the exchanged value according to the exchange request for the target point that a predetermined customer deposits in the gift certificate account. After completing and submitting the point exchange application including the above, the window terminal 1492 shown in FIG. 14 corresponds to the point exchange application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting a user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account (1900), the server corresponding to the customer information, point provider corresponding to the point exchange application made by the customer Point exchange request information that includes at least one information, exchange rate information, and deposit account information A user interface for inputting (or selecting) a beam is generated (or extracted) for transmission to the server (1905), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output ( 1910).

Thereafter, the terminal inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface (1915).

If point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information is input (or selected) through the user interface (1920), the terminal establishes the financial network. The inputted (or selected) point exchange request information is transmitted to the server through 1925.

Thereafter, the server receives and reads point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the financial network to validate the point exchange request information. Check (1930).

According to an exemplary embodiment of the present invention, the validity check of the point exchange request information may include at least one matched with the point exchange request information in the ledger D / B 1500 on a financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1425 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked to the gift certificate and point complex processing system. It is preferable to include a check that matches the customer ledger stored in / B (1500).

In addition, the validity check of the point exchange request information includes checking whether the deposit target account information matches the account ledger stored in the ledger D / B 1500 on the financial system associated with the gift certificate and the point complex processing system. It is preferable to make.

If the validity of the point exchange request information is not authenticated (1935), the server generates predetermined information registration error information and transmits it to the terminal (1940), and performs an information registration procedure corresponding to the point exchange request information. Do not perform.

On the other hand, if the validity of the point exchange request information is authenticated (1935), the server identifies the target point to be exchanged from the point provider server 1490 in response to the point provider information included in the point exchange request information. (1941).

Here, the point (or point value) is a point (or point value paid in response to the customer's use of the card, the point value paid in response to the customer's securities transaction, and in response to the customer's insurance coverage) It is desirable to include at least one or more points value paid and membership point value of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in conjunction with the point provider server 1490.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

If there is no exchange point (1942), the server generates (or extracts) error information of the point exchange information) and transmits it to the terminal (1940), and registers information corresponding to the point exchange request information. Do not perform the procedure.

On the other hand, when there is the exchange target point (1942), the server converts the point into a blank gift certificate value (or gift certificate) (1943), and converts the converted blank gift certificate value (or gift certificate) to the transfer target account. The deposit is processed into a financial account corresponding to the information (1944).

According to the method of the present invention, the conversion of the identified point to a blank gift certificate value (or gift certificate) is preferably performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably exchanged through a predetermined point exchange server associated with the information registration server 1400.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server generates (or extracts) a user interface for acquiring predetermined image contents corresponding to the point exchange application written by the customer through the predetermined image obtaining apparatus and transmitting the acquired image content to the server (1945). In operation 1950, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal acquires image content corresponding to the point exchange application through a predetermined image obtaining apparatus based on the user interface in operation 1955.

If image content corresponding to the point exchange application is obtained through the image acquisition device (1960), the terminal transmits the acquired image content to the server through the financial network (1965).

After receiving the point exchange request information and the image content from the terminal, the server generates a predetermined point exchange request electronic document including the image content (1970).

According to an exemplary embodiment of the present invention, the server may store an image file including the image content received from the information registration terminal 1495 through the image receiving unit 1415 as the target point to be deposited in the gift certificate account. It is preferable to process the point exchange request electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Processing of the exchanged value according to the exchange request for the target point for depositing an image file corresponding to the image content including at least one or more information of the exchange rate information and the target account information in a watermarking method in the gift certificate account It is desirable to generate a point exchange application electronic document for.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 1495 through the image receiving unit 1415. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Generating image content including at least one or more of exchange rate information and deposit target account information by a watermarking method, and including a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to the point to be deposited in the gift certificate account. It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

According to another exemplary embodiment of the present invention, the server exchanges the image content received from the information registration terminal 1495 through the image receiving unit 1415 and the point exchange request information received through the information receiving unit 1415. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a point exchange application electronic document for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. A predetermined document file including the generated image contents and the point exchange request information, and generating image contents including at least one of exchange rate information and deposit target account information in a watermarking manner. , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Generate a point exchange application electronic document for processing the exchanged value according to the exchange request for the point to be deposited in It is desirable to make it.

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

Thereafter, the server stores the generated point exchange request electronic document in a predetermined electronic document storage (1975).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1460 and an electronic document D / B 1480 associated with the gift certificate and a server on the point complex processing system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated point exchange request electronic document to the electronic document server 1460 through the communication means and stores the electronic document server 1460 in the electronic document D / B 1480. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the server sends the generated point exchange request electronic document to the DBMS provided in the gift certificate and point complex processing system. It is possible to store in the electronic document D / B 1480 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the point exchange request electronic document in the electronic document storage may be performed by linking the generated point exchange request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 1480.

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

The electronic document management information may further include financial institution information that transmits the point exchange request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a point exchange application corresponding to the image content, and / or financial institution information for transmitting the point exchange request electronic document, and / or Electronic document file format information, and / or the point exchange request information and the like).

If the point exchange request electronic document is stored in the electronic document repository (1980), the server processes the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information. Stored in a predetermined storage medium (1485) (1985), predetermined information registration history information (e.g., the history of storing the point exchange request electronic document in the electronic document storage, and / or the storage medium (1485) The details of storing the point exchange request information) are generated (or extracted) and transmitted to the terminal (1990).

According to an embodiment of the present invention, the storage medium 1485 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 1485 may be a ledger D / B 1500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1500. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1485 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

20A and 20B illustrate a process of registering point exchange request information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B show a window terminal 1492 having an information registration terminal 1495 on the gift certificate and point complex processing system shown in FIG. 14 provided at a branch (or a branch) of a financial institution. In the case where the server 1400 has a ledger server (not shown) function on the financial system associated with the teller terminal 1492 through a predetermined financial network, a predetermined customer exchanges money for a target point to be deposited in a gift certificate account. If you fill out and submit a point exchange application that includes at least one of customer information, point provider information, exchange rate information, and deposit target account information for processing the exchanged value upon request, a predetermined image is provided at a predetermined counter terminal 1492. Obtain a predetermined image content corresponding to the point exchange application through the obtaining device, and gift certificates and points through a predetermined information registration interface When the point exchange request information corresponding to the point exchange application and the image content obtained from the point exchange application are provided to the sum processing system, a predetermined point exchange request electronic document including the image content is generated to generate a predetermined electronic document. As an embodiment of the present invention, a method of storing the information in a storage medium 1485 by interworking the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information, By using the predetermined image acquisition device in the window terminal 1492, the predetermined image content corresponding to the point exchange application is obtained, and the point exchange request information corresponding to the point exchange application is input (or selected). It shows an implementation method of transmitting to the registration server 1400 .

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 20a and 20b to transfer the point exchange request information from the counter terminal 1492 to the information registration server 1400. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 20A and 20B.

For example, in the implementation method shown in FIGS. 20A and 20B, the counter terminal 992 may acquire predetermined image contents corresponding to the point exchange application through a predetermined image acquisition device, and / or the point exchange application. Although the user interface for inputting (or selecting) the point exchange request information corresponding to FIG. 1 is provided as being provided from the information registration server 1400, but the predetermined information registration program is provided in the window terminal 1492, The user interface may not be provided from the information registration server 1400, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1452 shown in FIG. 14 is referred to as "terminal" in FIGS. 20A and 20B for convenience, and the information registration server 1400 shown in FIG. 14 is referred to as "server" for convenience. The customer information, the point provider information, the exchange rate information, and the deposit target account information transmitted from the teller terminal 1492 to the information registration server 1400 are referred to as "point exchange request information" for convenience.

Referring to FIGS. 20A and 20B, at least one of customer information, point provider information, exchange rate information, and deposit target account information may be used to process the exchanged value according to the exchange request for the target point that a predetermined customer deposits in the gift certificate account. After completing and submitting the point exchange application including the above, the window terminal 1492 shown in FIG. 14 corresponds to the point exchange application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting a user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account (2000), the server corresponding to the point exchange corresponding to the point exchange application made by the customer in the terminal correspondingly Enter (or select) request information and request the point exchange through a predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content to the server (2005), and transmit and output the generated (or extracted) user interface to the terminal through the financial network. (2010).

Thereafter, the terminal inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface (2015).

If the point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information is input (or selected) through the user interface (2020), the terminal displays the user interface. Based on a predetermined image obtaining apparatus, image content corresponding to the point exchange application is obtained based on the operation 2025.

If the image content corresponding to the point exchange application is obtained through the image acquisition device (2030), the terminal transmits the point exchange request information and the image content to the server through the financial network (2035).

Thereafter, the server receives and reads point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the financial network to validate the point exchange request information. Check (2040).

According to an exemplary embodiment of the present invention, the validity check of the point exchange request information may include at least one matched with the point exchange request information in the ledger D / B 1500 on a financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1425 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked to the gift certificate and point complex processing system. It is preferably made to include matching with the customer ledger stored in / B (1500).

In addition, the validity check of the point exchange request information includes checking whether the deposit target account information matches the account ledger stored in the ledger D / B 1500 on the financial system associated with the gift certificate and the point complex processing system. It is preferable to make.

If the validity of the point exchange request information is not authenticated (2045), the server generates predetermined information registration error information and transmits it to the terminal (2050), and performs an information registration procedure corresponding to the point exchange request information. Do not perform.

On the other hand, if the validity of the point exchange request information is authenticated (2045), the server identifies the target point to be exchanged from the point provider server 1490 in response to the point provider information included in the point exchange request information. (2051).

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one or more point values and membership point values of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in conjunction with the point provider server 1490.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

If there is no exchange point (2052), the server generates (or extracts) error information of the point exchange information) and transmits it to the terminal (2050), and registers information corresponding to the point exchange request information. Do not perform the procedure.

On the other hand, when there is the exchange target point (2052), the server converts the point into a blank gift certificate value (or gift certificate) (2053), and converts the converted blank gift certificate value (or gift certificate) to the transfer target account A deposit is processed into a financial account corresponding to the information (2054).

According to the implementation method of the present invention, it is preferable that the process of converting the identified point into a blank gift certificate value (or gift certificate) is performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably exchanged through a predetermined point exchange server associated with the information registration server 1400.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server generates a predetermined point exchange request electronic document including the image content (2055).

According to an exemplary embodiment of the present invention, the server may store an image file including the image content received from the information registration terminal 1495 through the image receiving unit 1415 as the target point to be deposited in the gift certificate account. It is preferable to process the point exchange request electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Processing of the exchanged value according to the exchange request for the target point for depositing an image file corresponding to the image content including at least one or more information of the exchange rate information and the target account information in a watermarking method in the gift certificate account It is desirable to generate a point exchange application electronic document for.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) containing the image content received from the information registration terminal 1495 through the image receiving unit 1415. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. Generating image content including at least one or more of exchange rate information and deposit target account information by a watermarking method, and including a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to the point to be deposited in the gift certificate account. It is preferable to generate a point exchange application electronic document for processing the exchanged value according to the exchange request.

According to another exemplary embodiment of the present invention, the server exchanges the image content received from the information registration terminal 1495 through the image receiving unit 1415 and the point exchange request information received through the information receiving unit 1415. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a point exchange application electronic document for the exchange of value processing according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the server may include customer information and point provider information included in the point exchange request information received through the information receiving unit 1415 on the image content received from the information registering terminal 1415 through the image receiving unit 1415. A predetermined document file including the generated image contents and the point exchange request information, and generating image contents including at least one of exchange rate information and deposit target account information in a watermarking manner. , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Generate a point exchange application electronic document for processing the exchanged value according to the exchange request for the point to be deposited in It is desirable to make it.

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

Thereafter, the server stores the generated point exchange request electronic document in a predetermined electronic document storage (2060).

As shown in FIG. 14, the electronic document repository includes a predetermined electronic document server 1460 and an electronic document D / B 1480 associated with the gift certificate and a server on the point complex processing system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated point exchange request electronic document to the electronic document server 1460 through the communication means and stores the electronic document server 1460 in the electronic document D / B 1480. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the server sends the generated point exchange request electronic document to the DBMS provided in the gift certificate and point complex processing system. It is possible to store in the electronic document D / B 1480 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the point exchange request electronic document in the electronic document storage may be performed by linking the generated point exchange request electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 1480.

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

The electronic document management information may further include financial institution information that transmits the point exchange request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a point exchange application corresponding to the image content, and / or financial institution information for transmitting the point exchange request electronic document, and / or Electronic document file format information, and / or the point exchange request information and the like).

If the point exchange request electronic document is stored in the electronic document repository (2065), the server processes the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information. Stored in a predetermined storage medium 1485 (2070), predetermined information registration history information (e.g., details of storing the point exchange request electronic document in the electronic document repository, and / or the storage medium 1485 The details of storing the point exchange request information) are generated (or extracted) and transmitted to the terminal (2075).

According to an embodiment of the present invention, the storage medium 1485 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 1485 may be a ledger D / B 1500 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1500. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1485 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 21 is a diagram illustrating a non-face-to-face gift voucher and a point composite processing system for processing exchanged values according to exchange requests for target points to be deposited in a gift voucher according to another embodiment of the present invention.

More specifically, FIG. 21 shows a customer information and point provider for processing a value exchanged according to a currency exchange request for a target point to be deposited in the gift certificate account by a predetermined gift registration system through a predetermined information registration interface. When the point exchange request information including at least one information, exchange rate information, and deposit target account information is provided, a predetermined point exchange request electronic document including the provided point exchange request information is generated by the gift certificate and the point composite processing system. The system is configured to store in a predetermined electronic document storage, and to process the customer information, the point provider information, the exchange rate information, the deposit target account information included in the point exchange request information in a predetermined storage medium (2180). As for, specifically, the electronic archive Through the communication means is defined on the exemplary method, which is provided on the external system associated with the voucher and point complex processing system.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 21 and combine the gift certificate and point complex processing system for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 21 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the gift certificate and point complex processing system. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in Fig. 21, the point exchange request electronic document is illustrated as being generated on the server side on the gift certificate and point composite processing system, but the present invention is not limited thereto. The point exchange request electronic document may be generated on the terminal side which inputs (or selects) the point exchange request information and transmits the information (eg, an electronic document generation function provided on the server side is provided on the terminal side to exchange the point). Generate an application electronic document), by which the present invention is not limited.

In addition, according to the implementation method shown in FIG. 21, when depositing a point (or point value) provided from the point provider to the gift certificate account, the point (or point value) is exchanged for a gift certificate value (or gift certificate). Although shown by way of depositing, points (or point values) may be deposited directly, thereby limiting the invention.

Hereinafter, the point exchange request information is received from the customer through a predetermined information registration interface on the gift certificate and the point composite processing system shown in FIG. 21, and generates a predetermined point exchange request electronic document and stores it in a predetermined electronic document repository. At least one means for storing the point exchange request information on a predetermined storage medium 2180 and / or a component corresponding to a functional configuration is referred to as an "information registration server 2100" for convenience.

Referring to FIG. 21 according to an embodiment of the present invention, a gift certificate and point composite processing system for processing a exchanged value according to a exchange request for a target point to be deposited in the gift certificate account includes a wired terminal and / or used by a customer. And an information registration terminal 2190 including at least one client terminal including at least one wireless terminal, etc., wherein the information registration terminal 2190 is provided with the gift certificate and points through a predetermined network means. The communication channel is connected to the information registration server 2100 provided on the complex processing system.

According to an embodiment of the present invention, the customer accesses the information registration server 2100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the information exchange server 2100 inputs (or selects) the point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account through at least one user interface provided by the information registration server 2100, It is preferable to transmit from the client terminal to the information registration server 2100 provided on the gift certificate and point complex processing system through a predetermined network means.

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

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

In addition, the information registration server 2100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 2100 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x-based based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 2100, and inputs and / or selects at least one or more information through the user interface to the information registration server 2100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2100, etc.) is provided.

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

In the above-described gift certificate and point complex processing system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one or more connecting the client terminal and the information registration server 2100. The wired communication network and / or the wireless communication network perform a function of an information registration interface for registering the point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account.

According to another exemplary embodiment of the present invention, the information registration terminal 2190 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected to, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the above-described gift certificate and point complex processing system, when the information registration terminal 2190 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the The financial network connecting the information registration server 2100 performs a function of an information registration interface for registering the point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. And / or a wired line connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2100 when the information registration terminal 2190 is the call terminal (not shown). The telephone network and / or the wireless telephone network may provide the point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. Perform the function of an information registration interface for registering, and / or when the information registration terminal 2190 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal ( And / or a server (not shown) and the network connecting the terminal (and / or server) (not shown) and the information registration server 2100 request exchange for a target point for the customer to deposit in the gift certificate account. Performs a function of an information registration interface for registering the point exchange request information for the exchanged value processing according to.

The storage medium 2180 provided on the gift certificate and point composite processing system according to the present invention includes the customer information, point provider information, and exchange rate information included in the point exchange request information provided from the information registration terminal 2190. In response to the deposit target account information, characterized in that for storing in a predetermined storage medium (2180).

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

According to an embodiment of the present invention, the storage medium 2180 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 2180 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 2180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 2100 provided on the gift certificate and point composite processing system according to the present invention is a generic term for the component of the gift certificate and point composite processing system connected to the information registration terminal 2190 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 2100. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2100 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2100 A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 2100 is characterized in that it comprises an interface unit 2105 for connecting and managing a predetermined communication channel with the information registration terminal 2190 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 2105 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 2100 (eg, an internet banking program), the interface unit 2105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a financial automation device connected to a predetermined financial network, the interface unit 2105 uses the financial stack based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 2100, the interface unit 2105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 2190 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2105 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2105 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 2190 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 2105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 21, when the predetermined information registration terminal 2190 connects a predetermined communication channel with the information registration server 2100 through the interface unit 2105, the gift certificate. The information registration terminal 2190 inputs (or selects) predetermined point exchange request information and transmits it to the information registration server 2100 in order to process the exchanged value according to the exchange request for the target point to be deposited in the account. An interface provider 2110 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the information registration terminal 2190 in association with the interface unit 2105; When the information registration terminal 2190 inputs (or selects) and transmits the point exchange request information through the user interface, the information registration terminal 2190 associates with the interface unit 2105. And an information receiving unit 2115 for receiving the point exchange request information transmitted from the information registration terminal 2190.

The interface providing unit 2110 connects a predetermined communication channel with the information registration server 2100 through the interface unit 2105 through the interface unit 2105, and then sends the information registration server 2100 to the information registration server 2100. When the user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account is requested, the network means is inputted (or selected) from the information registration terminal 2190 by inputting predetermined point exchange request information. Generate at least one or more user interfaces to be transmitted to the information registration server 2100, and / or extract from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 2105 A user interface is provided to the information registration terminal 2190 through the network means.

According to an embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2110 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a financial automation device connected to a predetermined financial network, the interface providing unit 2110 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal 2190 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2110 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 2105 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 2190 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 2110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV), and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2105. .

At least one user interface for inputting (or selecting) predetermined point exchange request information to the information registration terminal 2190 and transmitting it to the information registration server 2100 via the network means according to another embodiment of the present invention. When a predetermined information registration program is provided, the user interface for inputting (or selecting) predetermined point exchange request information is generated (or extracted) and transmitted to the information registration server 2100 as described above. The interface providing unit 2110 provided to the information registration terminal 2190 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2190 inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface. The input (or selected) point exchange request information is transmitted to the information registration server 2100 through the network means. In response thereto, the information receiving unit 2115 cooperates with the interface unit 2105 and the information registration terminal. The point exchange request information transmitted from 2190 may be received.

According to an exemplary embodiment of the present invention, the information registration terminal 2190 may include the information registration server 2100 in the point exchange request information including at least one of the customer information, point provider information, exchange rate information, and deposit target account information. The network further includes at least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the point exchange request information in the network It is preferable to transmit to the information registration server 2100 by means.

According to an exemplary embodiment of the present invention, the information registration terminal 2190 may include at least one encryption method (eg, at least one point exchange request information including at least one or more of the customer information, point provider information, exchange rate information, and target account information). , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit an electronic signature to the information registration server 2100 through the network means. For this purpose, the information registration terminal 2190 includes at least one encryption key corresponding to the encryption method, and And / or have a predetermined certificate containing at least one encryption key, and / or the certificate It is an instrument having a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the point exchange request information and the technical features of attaching a predetermined electronic signature to the point exchange request information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 21, when the point exchange request information transmitted from the information registration terminal 2190 is received through the information receiving unit 2115, the information registration server 2100 receives the point exchange request information. It is characterized in that it comprises a validity check unit 2120 to confirm whether the validity for the exchange value processing according to the exchange request for the target point to be deposited in the gift certificate account.

According to an embodiment of the present invention, the point exchange request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 2120 may convert the encrypted point exchange request information into at least one decryption method (for example, a symmetric key-based decryption method and / or corresponding to the encryption method). It is preferable to authenticate the validity of the received point exchange request information by decrypting with a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the point exchange request information, the validity confirming unit 2120 verifies the validity of the received point exchange request information by checking the electronic signature attached to the point exchange request information. It is desirable to authenticate.

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

According to an embodiment of the present invention, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined password for confirming the validity of the point exchange request information, the validity confirming unit 2120 ) Compares and authenticates the password included in the point exchange request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received point exchange request information.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the point exchange request information, the validity confirming unit 2120 may determine the validity of the point exchange request information. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating the received security card information included in the point exchange request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined OTP code for checking the validity of the point exchange request information, the validity confirming unit 2120 may determine the point. The validity of the received point exchange request information is verified by comparing and authenticating the received OTP code included in the exchange request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity check of the point exchange request information includes at least one ledger information matching the point exchange request information in the ledger D / B on the financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked with the gift certificate and the point complex processing system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity check of the point exchange request information includes preferably checking whether the deposit target account information matches the account ledger stored in the ledger D / B on the financial system associated with the gift certificate and point complex processing system. Do.

Referring to FIG. 21, when the validity of the received point exchange request information is authenticated, the information registration server 2100 verifies the point of the customer in response to the point provider information included in the point exchange request information. Point processing unit 2130 (or point processing means) for converting the points identified for the customer and the point identified for the customer into a blank gift certificate value (or gift certificate) by applying the exchange rate for each point provider. Means) and a financial transaction processing unit 2135 (or financial transaction processing) for depositing the converted blank gift certificate value (or gift certificate) into a gift certificate account corresponding to the deposit target account information included in the received point exchange request information. Means).

When the validity of the received point exchange request information is authenticated, the point confirming unit 2125 sends the point of the customer in response to the point provider information included in the point exchange request information, the point provider server 2185 on the communication network. It is characterized by checking in connection with.

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one or more point values and membership point values of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in connection with the point provider server (2185).

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

The point processing unit 2130 converts the point identified for the customer into a blank gift certificate value (or gift certificate) by applying an exchange rate for each point provider.

According to the method of the present invention, the conversion of the identified point to a blank gift certificate value (or gift certificate) is preferably performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably performed through the exchange of a predetermined point exchange server associated with the information registration server 2100.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

The financial transaction processing unit 2135 may deposit and process the converted blank gift certificate value (or gift certificate) into a gift certificate account corresponding to the deposit target account information included in the received point exchange request information.

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Referring to FIG. 21, when the validity of the point exchange request information is authenticated through the validity confirming unit 2120, the information registration server 2100 requests a predetermined point exchange request including the received point exchange request information. An electronic document generation unit 2140 for generating an electronic document, and an electronic document transmission unit 2145 for transmitting the generated point exchange request electronic document to an electronic document repository associated with the gift certificate and point complex processing system. It is characterized by.

The electronic document generating unit 2140 generates a point exchange request electronic document including the point exchange request information received from the information registration terminal 2190 through the information receiving unit 2115.

According to an exemplary embodiment of the present invention, the electronic document generator 2140 may include customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiver 2115. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. A word processing file, or a web document file including an MHT), as a point exchange request electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the electronic document generation unit 2140 may include at least one document including customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiving unit 2115. After generating content and including at least one or more information of customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information in the document content by a watermarking method, Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Exchanged value processing according to the exchange request for the target point to be deposited in the gift certificate account). Be treated as an application point Currency exchange electronic documents is desirable.

Alternatively, the electronic document generation unit 2140 may include at least one document including customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiving unit 2115. Currency exchange request for a target point for generating content and depositing an image file including image content (eg, image content generated by capturing the document content on a memory) in which the document content is captured in the gift certificate account. It is preferable to process the point exchange request electronic document for the exchange of value according to the application.

Alternatively, the electronic document generation unit 2140 may include at least one document including customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiving unit 2115. Customer information, point provider information, and exchange rate, which are included in the point exchange request information, are included in the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. In accordance with a watermarking method, at least one or more of the information and the deposit target account information, and according to the exchange request for the target point for depositing an image file including the image content including the watermarking in the gift certificate account It is preferable to process the point exchange request electronic document for processing the exchanged value.

According to another exemplary embodiment of the present invention, the electronic document generating unit 2140 may include customer information, point provider information, exchange rate information, and deposit target account included in the point exchange request information received through the information receiving unit 2115. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is recommended to process the point exchange application electronic document for processing the exchanged value in accordance with the exchange request for the point to be deposited. It is.

Alternatively, the electronic document generation unit 2140 may include at least one document including customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiving unit 2115. Customer information, point provider information, and exchange rate, which are included in the point exchange request information, are included in the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. Generating an image content including at least one of information and account information to be deposited in a watermarking manner, and including a document file including the watermarking image content (eg, a Portable Document Format (PDF)). Word Pro, which contains at least one file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. By creating a document file, or web page files, etc.) that contain MHT, it is preferable to apply processing to the point Currency exchange electronic documents for processing the exchange value of the exchange request for the target points to be deposited in the account vouchers.

According to another exemplary embodiment of the present invention, the electronic document generating unit 2140 may include customer information, point provider information, exchange rate information, and deposit target included in the point exchange request information received through the information receiving unit 2115. Generating document content including at least one account information, including image content (eg, image content generated by capturing the document content on a memory) and the point exchange request information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, the point exchange application for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 2140 may include at least one document including customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received through the information receiving unit 2115. Customer information, point provider information, and exchange rate, which are included in the point exchange request information, are included in the image content (eg, the image content generated by capturing the document content on a memory) that generates content and captures the document content. A document file (eg, PDF) that generates image content including at least one of information and account information to be deposited in a watermarking manner, and includes the watermarking image content and the point exchange request information. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. By generating one or more word processor files, or a web document file including the MHT, etc.), to process the point exchange request electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account It is preferable.

In the technical field to which the present invention pertains, the electronic document generation unit 2140 generates a point exchange request electronic document in an image file format and / or a predetermined document file format, and the point. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the exchange request electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 2145 transmits and stores the point exchange request electronic document generated by the electronic document generating unit 2140 to a predetermined electronic document repository associated with the gift certificate and a point composite processing system. It is done.

As shown in FIG. 21, the electronic document repository is connected to the information registration server 2100 on the gift certificate and point complex processing system through a predetermined communication means, and the electronic document server 2155 and the electronic document D / B. 275, the electronic document transmission unit 2145 transmits the point exchange request electronic document generated by the electronic document generation unit 2140 through the communication means. 2155).

Here, when the electronic document server 2155 and the electronic document D / B 2175 are provided outside of the gift certificate and the point composite processing system, the electronic document server 2155 and the electronic document D / B 2175 ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the gift certificate and point complex processing system, the electronic document transmitting unit 2145 is generated by the electronic document generating unit 2140. The electronic device D / B 2175 corresponding to the electronic document storage on the DBMS provided in the gift certificate and the point composite processing system can be stored in the point exchange request electronic document.

According to the embodiment of the present invention, the electronic document transmission unit 2145 inputs electronic document related information (eg, the point exchange request information) for generating predetermined electronic document management information in the electronic document server 2155 ( The customer information, and / or financial institution information for transmitting the point exchange request electronic document, and / or electronic document file format information, and / or the point exchange request information, etc.). It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 21, the information registration server 2100 requests a currency exchange request for a point for requesting point exchange request information received through the information receiving unit 2115 to be deposited in the gift certificate account through the validity checking unit 2120. When the validity for the exchanged value processing according to the authentication is authenticated, the predetermined storage medium by linking the customer information, the point provider information, the exchange rate information, the deposit target account information included in the point-exchange request information of which the validity is verified And an information storage unit 2150 stored in 2180.

When the validity of the point exchange request information is confirmed by the validity confirming unit 2120, the information storage unit 2150 may include customer information, point provider information, exchange rate information, and a deposit target included in the point exchange request information. Account information is stored in the storage medium 2180 in association with the storage medium 2180, the storage medium 2180 is provided in the information registration server 2100, or on the network associated with the information registration server 2100 When provided in the, the information storage unit 2150 is stored in the storage medium 2180 by processing the customer information, the point provider information, the exchange rate information, the deposit target account information included in the received point exchange request information Preferably, if the storage medium 2180 is provided in a DBMS provided in the financial system ƒƒ, the information storage unit 2150 is based on the received point exchange request information. It contained the customer information, the point provider information, exchange rate information, deposit account information, the destination through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 21, a predetermined point exchange request electronic document is received from the information registration server 2100 provided on the point certificate processing system and stored and managed in a predetermined electronic document D / B 2175. The electronic document server 2155 may include an electronic document receiver 2160 that receives a predetermined point exchange request electronic document from the information registration server 2100 through a predetermined communication means, and the received point exchange request electronic document. An information generation unit 2165 for generating predetermined electronic document management information for storage and management in the electronic document D / B 2175, and the electronic document management information and the point exchange request electronic document in a predetermined process. And an electronic document storage unit 2170 storing the document D / B 2175.

The electronic document receiving unit 2160 may receive the point exchange request electronic document in the form of an image file and / or a document file from the information registration server 2100 through the communication means.

According to an embodiment of the present invention, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is a point exchange received by the information registration server 2100 from the information registration terminal 2190 A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document content including at least one or more of customer information, point provider information, currency exchange rate information, and deposit target account information included in the request information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is customer information included in the point exchange request information received by the information registration server 2100 from the information registration terminal 2190. At least one or more of customer information included in the point exchange request information, point provider information, exchange rate information, and target account information in document content including at least one point provider information, exchange rate information, and target account information; After a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processor file including at least one or a web document file including an MHT) desirable.

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is customer information included in the point exchange request information received by the information registration server 2100 from the information registration terminal 2190. An image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one or more point provider information, currency exchange rate information, and deposit target account information It is preferable to comprise a.

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is customer information included in the point exchange request information received by the information registration server 2100 from the information registration terminal 2190. The point exchange request to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more point provider information, exchange rate information, and deposit target account information After including at least one or more information of the customer information, point provider information, currency exchange rate information, deposit target account information included in the information in a watermarking (Watermarking) method, and includes an image file including the image content including the watermarking It is preferable to make it.

According to another exemplary embodiment of the present invention, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is a point that the information registration server 2100 receives from the information registration terminal 2190. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the exchange request information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is customer information included in the point exchange request information received by the information registration server 2100 from the information registration terminal 2190. The point exchange request to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more point provider information, exchange rate information, and deposit target account information Generates image content including at least one or more of customer information, point provider information, currency exchange rate information, and deposit target account information included in the information by a watermarking method, and includes the image content including the watermarking. Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic Data Interchange) File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the point exchange request electronic document received by the electronic document receiver 2160 through the communication means is received by the information registration server 2100 from the information registration terminal 2190. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one or more of customer information, point provider information, exchange rate information, and target account information included in the point exchange request information. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content) and the point exchange request information. File, or a web document file including MHT).

Alternatively, the point exchange request electronic document received by the electronic document receiving unit 2160 through the communication means is customer information included in the point exchange request information received by the information registration server 2100 from the information registration terminal 2190. Converting the point into image content (eg, image content generated by capturing the document content on a memory) in which document content including at least one or more point provider information, currency exchange rate information, and deposit target account information is captured; Generating image content including at least one or more of customer information, point provider information, currency exchange rate information, and deposit target account information included in the request information by a watermarking method, and the image content including the watermarking; A document file (eg, a Portable Document Format (PDF) file) including the point exchange request information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 2165 is a predetermined electronic document unique number (or unique information) to be assigned to the point exchange request electronic document received through the electronic document receiving unit 2160, and through the electronic document receiving unit 2160 And generating electronic document management information including electronic document storage date and time information including a date and time at which the point exchange request electronic document was received (or a date and time at which the point exchange request electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 2165 refers to the information exchange server 2100 that transmits the point exchange request electronic document received through the electronic document receiving unit 2160 and requests the point exchange. It is preferable to identify the financial institution that transmitted the electronic document, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 2100 through the electronic document receiving unit 2160, the information generating unit 2165 receives the received information. Customer information transmitted by inputting (selecting) the point exchange request information, and / or financial institution information transmitting the point exchange request electronic document, and / or electronic document file format information, and / Or electronic document management information further including the point exchange request information and the like.

The electronic document storage unit 2170 associates a point exchange request electronic document received through the electronic document receiving unit 2160 with electronic document management information generated through the information generation unit 2165 to process a predetermined electronic document D. / B (2175) is characterized in that.

According to the exemplary embodiment of the present invention, the point-exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is the information registration server 2100 by the information registration terminal 2190. A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one or more of customer information, point provider information, exchange rate information, and target account information included in the point exchange request information received from Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is a point exchange request received by the information registration server 2100 from the information registration terminal 2190. Customer information included in the point exchange request information in the document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the information, point provider information, exchange rate information, and deposit account After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferred.

Alternatively, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is a point exchange request received by the information registration server 2100 from the information registration terminal 2190. Image content that captures document content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the information (for example, image content generated by capturing the document content on a memory). It is preferable to include an image file containing a).

Alternatively, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is a point exchange request received by the information registration server 2100 from the information registration terminal 2190. Image content that captures document content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the information (for example, image content generated by capturing the document content on a memory). ) At least one or more of the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information in a watermarking manner, and then the image content including the watermarking. It is preferable to include an image file to include.

According to another exemplary embodiment of the present invention, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is the information registration server 2100 by the information registration terminal ( Image content (e.g., the document content) which captures document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received from 2190; A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT).

Alternatively, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is a point exchange request received by the information registration server 2100 from the information registration terminal 2190. Image content that captures document content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the information (for example, image content generated by capturing the document content on a memory). ) Generates image content including at least one or more of the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information in a watermarking manner. Document files containing embedded image content (eg, Portable Document Format (PDF) files, or Electronic Data Interchange) ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is registered by the information registration server 2100. Image content (eg, the document) which captures document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information received from the terminal 2190. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the contents of the image captured by capturing the content on a memory and the point exchange request information. And at least one word processor file or at least one web document file including the MHT.

Alternatively, the point exchange request electronic document stored in the electronic document D / B 2175 by the electronic document storage unit 2170 is a point exchange request received by the information registration server 2100 from the information registration terminal 2190. Image content that captures document content including at least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the information (for example, image content generated by capturing the document content on a memory). ) Generates image content including at least one or more of the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file) containing the image content and the point exchange request information included therein. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2175 by the electronic document storage unit 2170 in association with the point exchange request electronic document is stored in the point exchange request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2175 by the electronic document storage unit 2170 in association with the point exchange request electronic document is stored in the point exchange request. Preferably, the electronic device further includes financial institution information that transmits the point exchange request electronic document, which has been identified with reference to the information registration server 2100 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 2100, the electronic document storage unit 2170 processes the connection with the point exchange request electronic document and the The electronic document management information stored in the electronic document D / B 2175 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the point exchange request information, and / or the point exchange request). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the point exchange request information and the like).

Figure 22 is stored in the ledger D / B (2200) provided in the DBMS on the financial system in a non-face-to-face for the exchange of value processing in accordance with the exchange request for the target point to be deposited in the gift certificate account in accordance with an embodiment of the present invention It is a figure which shows the structure of point exchange request information.

More specifically, in FIG. 22, when the storage medium 2180 illustrated in FIG. 21 is the ledger D / B 2200 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 2200 is used. An information structure of an exemplary embodiment of storing the point exchange request information including the customer information, the point provider information, the exchange rate information, and the deposit target account information is shown, and has a general knowledge in the technical field to which the present invention pertains. Growing up, it is possible to infer various information construction methods for storing the point exchange request information in the ledger D / B (2200) by referring to and / or modified in this figure 22, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 22 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2200 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 2200 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 22, the point exchange request information provided through the gift certificate and the point composite processing system shown in FIG. 21 is stored in the form of additional information added to the account ledger, and the point exchange request information is stored in the customer. Characterized in that it comprises at least one information, point provider information, currency exchange rate information, deposit account information.

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

According to another exemplary embodiment of the present invention, the point exchange request information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (for example, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

23 shows a ledger D / B 2200 provided in a DBMS on a financial system in a non-face-to-face manner in order to process the exchanged value according to an exchange request for a target point to be deposited in a gift certificate account according to another embodiment of the present invention. A diagram illustrating a point exchange request information configuration stored in an associated database.

More specifically, FIG. 23 shows an information structure for an exemplary method in which the storage medium 2180 illustrated in FIG. 21 is stored in a predetermined database linked to the ledger D / B 2200 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify this drawing 23 to link the point exchange request information with the ledger D / B 2200 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 23 shows that when it is not easy to store the point exchange request information in the ledger information of the ledger D / B 2200 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 2200 or the system is not easy to expand due to the characteristics of the financial system), the point exchange request information is stored in a predetermined database instead of the ledger D / B 2200. The implementation method of interworking and storing the database and the ledger D / B 2200 is illustrated.

Further, the database shown in FIG. 23 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 23, and the database on the Internet banking system according to the intention of the skilled person, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 23, the database stores and stores the customer information, the point provider information, the exchange rate information, and the deposit target account information, which are included in the point exchange request information. It is preferable that the point exchange request information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 2200.

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number, etc.) granted by subscribing to the financial institution. It may be.

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

FIG. 24 is a diagram illustrating a point exchange request information structure stored in a DBMS provided in a banking server in a non-face-to-face manner in order to process exchanged values according to an exchange request for a target point to be deposited in a gift certificate account according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 24 illustrates a predetermined banking system in which the storage medium 2180 shown in FIG. 21 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains are provided with at least one banking server by referring to and / or modifying the drawing 24. It is possible to infer a method of constructing information on point exchange request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 24, a predetermined DBMS provided in the banking server may store and store customer information, point provider information, exchange rate information, and target account information included in the point exchange request information. .

The point provider information includes provider information (eg, name of a provider, a business registration number, a corporation registration number, an address, a phone number, a mobile phone, etc.) for a point provider providing a predetermined point assigned to the customer, and the point provider. It is preferable to include at least one or more of the member information (e.g., member ID information or CIF (Customer Information File) number assigned by joining the financial institution), etc. May be

The exchange rate information corresponds to the points provided by the point provider, in order to convert the value of the point for each point provider into a blank gift certificate value (or gift certificate) that can be deposited in the gift certificate account, the differential for each point provider ( Or the same), and the exchange rate is set preferably, and may be changed according to the intention and purpose of those skilled in the art.

The deposit target account information may include at least one or more account numbers, account aliases, account holder names, etc. for the gift certificate account when depositing the points provided by the point provider to which the exchange rate information is applied to the gift certificate account. It may be changed according to the intention and purpose of those skilled in the art.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer who has completed the point exchange application, and member information of the customer (eg, the customer By joining as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the gift certificate and point complex processing system corresponding to the customer. It is preferable that it comprises at least one or more).

25A and 25B are diagrams illustrating a process of registering point exchange request information in a non-face-to-face manner in order to process exchanged values according to exchange requests for target points to be deposited in a gift certificate account according to one embodiment of the present invention. .

In more detail, FIGS. 25A and 25B show that the information registration terminal 2190 on the gift certificate and point complex processing system shown in FIG. 21 is a client terminal, and the information registration server 2100 is a client terminal via predetermined network means. In the case of having a web server function which is accessible, customer information, point provider information, and currency exchange are provided through the client terminal for processing the exchanged value according to the exchange request for the target point that a predetermined customer deposits in the gift certificate account. When the point exchange request information including at least one ratio information and the deposit target account information is provided, a predetermined point exchange request electronic document including the provided point exchange request information is generated by the gift certificate and the point composite processing system to generate a predetermined point exchange request electronic document. Store it in the electronic document store and include it in the point exchange request information. The present invention relates to an implementation method of linking and processing the customer information, point provider information, exchange rate information, and deposit target account information in a predetermined storage medium 2180, and has a general knowledge in the technical field to which the present invention pertains. In this case, various implementation methods for registering the point exchange request information from the client terminal to the information registration server 2100 may be inferred by referring to and / or modifying the drawings 25a and 25b. It includes all inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 25A and 25B.

For example, in the method illustrated in FIGS. 25A and 25B, the client terminal inputs (or selects) the point exchange request information through a predetermined web page provided by the information registration server 2100. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 2100, and the present invention is not limited thereto.

Hereinafter, in FIGS. 25A and 25B, the client terminal shown in FIG. 21 is referred to as a "terminal" for convenience, and the information registration server 2100 shown in FIG. 21 is referred to as a "server" for convenience. The customer information, the point provider information, the exchange rate information, and the deposit target account information transmitted to the information registration server 2100 are referred to as "point exchange request information" for convenience.

Referring to FIGS. 25A and 25B, when the client terminal illustrated in FIG. 21 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based mobile Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and the gift certificate. When requesting a web page including a user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the account (2500), the server correspondingly the customer information, point provider information, exchange rate information, User input for inputting (or selecting) point exchange request information including at least one deposit target account information and transmitting it to the server. Generating a web page containing the face (or extract), and 2505, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station 2510.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the point exchange request information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) point exchange request information including at least one or more customer information, point provider information, exchange rate information, and target account information through the user interface included in the web page (2515).

If the terminal inputs (or selects) the point exchange request information including the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface (2520), the terminal establishes the communication channel. The input (or selected) through the customer information, the point provider information, the exchange rate information, the deposit account information is transmitted to the server (2525).

According to an embodiment of the present invention, the terminal validates the validity of the point exchange request information in the server on the point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information. At least one or more of a predetermined password and / or security card information for confirmation and / or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. Do.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for point exchange request information including at least one or more of the customer information, point provider information, exchange rate information, and deposit target account information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the point exchange request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. And / or the official certificate is provided on a predetermined IC chip (or IC card). Case, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for point exchange request information including at least one or more of the customer information, point provider information, exchange rate information, and deposit target account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a car for checking the official certificate provided on the IC chip (or IC card) Preferably, a drier is provided.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the point exchange request information and the technical features of attaching a predetermined electronic signature to the point exchange request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the point provider information, the exchange rate information, and the deposit target account information through the communication channel to check the validity of the point exchange request information (2530).

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

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

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

According to an embodiment of the present invention, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined password for checking the validity of the point exchange request information, the server exchanges the point. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the point exchange request information, the server may include the point exchange request information. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined OTP code for checking the validity of the point exchange request information, the server includes the point exchange request information. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. Do.

According to an exemplary embodiment of the present invention, the validity check of the point exchange request information may include at least one matched with the point exchange request information in the ledger D / B 2200 on a financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked with the gift certificate and the point complex processing system. It is preferably made to include matching with the customer ledger stored in / B (2200).

In addition, the validity check of the point exchange request information includes checking whether the deposit target account information matches the account ledger stored in the ledger D / B 2200 on the financial system associated with the gift certificate and the point complex processing system. It is preferable to make.

If the validity of the point exchange request information is not authenticated (2535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2540), corresponding to the point exchange request information. Do not perform the information registration procedure.

On the other hand, if the validity of the point exchange request information is authenticated (2535), the server identifies the target point to be exchanged from the point provider server 2185 corresponding to the point provider information included in the point exchange request information. (2541).

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one or more point values and membership point values of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in connection with the point provider server (2185).

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

If there is no exchange point (2542), the server generates (or extracts) error information of the point exchange information) and transmits it to the terminal (2540), and registers information corresponding to the point exchange request information. Do not perform the procedure.

On the other hand, if there is the exchange target point (2542), the server converts the point into a blank gift certificate value (or gift certificate) (2543), and converts the converted blank gift certificate value (or gift certificate) to the transfer target account. The deposit is processed into the financial account corresponding to the information (2544).

According to the method of the present invention, the conversion of the identified point to a blank gift certificate value (or gift certificate) is preferably performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably performed through the exchange of a predetermined point exchange server associated with the information registration server 2100.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server generates predetermined document content including at least one or more pieces of customer information including the point exchange request information, point provider information, exchange rate information, and deposit account information (2545), and includes the document content. A predetermined point exchange request electronic document is generated (2550).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the received point exchange request information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a point exchange application electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the server generates document content including at least one or more customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and the point exchange request to the document content. A document file including document content including the watermarking after including at least one of customer information, point provider information, currency exchange rate information, and deposit target account information included in the information by a watermarking method. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Process the point exchange request electronic document for processing the exchanged value according to the exchange request for the target point. It is desirable.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. A point exchange application for processing exchanged value according to a request for exchange for a target point for depositing an image file including an image content (e.g., image content generated by capturing the document content on a memory) into the gift certificate account. It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Water at least one or more of the customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information into an image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, the image file including the image content including the watermarking is processed as a point exchange application electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. It is desirable to.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Exchanged value according to the exchange request for the point to be deposited in the gift certificate account by generating an Interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the point exchange request electronic document for processing.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Water at least one or more of the customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Word document files containing at least one DOC, etc., or Web document files containing MHT. By generating the like), it is preferred to process to a point exchange application electronic documents for the value processing exchange according to the exchange request to the target point to be deposited in the voucher account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the received point exchange request information. And a predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) and the point exchange request information. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the point exchange request electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Water at least one or more of the customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information into an image content (for example, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, and a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content and the point exchange request information. ), Or a word processor file including at least one, such as HWP / DOC, It is preferred that treatment such as by creating a web page file that includes MHT), to a point exchange application electronic documents for the value exchange processing according to the exchange request to the target point to be deposited in the voucher account.

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

Thereafter, the server stores the generated point exchange request electronic document in a predetermined electronic document storage (2555).

As shown in FIG. 21, the electronic document storage includes a predetermined electronic document server 2155 and an electronic document D / B 2175 associated with the gift certificate and a server on the point complex processing system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated point exchange request electronic document to the electronic document server 2155 through the communication means and stores the electronic document server 2155 in the electronic document D / B 2175. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the server sends the generated point exchange request electronic document to the DBMS provided in the gift certificate and point complex processing system. It is possible to store in the electronic document D / B 2175 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the point exchange request electronic document in the electronic document storage may be performed by linking the generated point exchange request electronic document with predetermined electronic document management information. It is preferable to include storing the document D / B 2175.

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

The electronic document management information may further include financial institution information that transmits the point exchange request electronic document.

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

If the point exchange request electronic document is stored in the electronic document repository (2560), the server processes the customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information. Stored in a predetermined storage medium 2180 (2565), predetermined information registration history information (e.g., a history of storing the point exchange request electronic document in the electronic document storage, and / or the storage medium 2180 The details of storing the point exchange request information) are generated (or extracted) and transmitted to the terminal (2570).

According to an embodiment of the present invention, the storage medium 2180 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 2180 may be a ledger D / B 2200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2200. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 2180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

26A, 26B, and 26C illustrate registration of point exchange request information through a non-face-to-face financial transaction channel for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account according to one embodiment of the present invention. A diagram illustrating the process.

In more detail, FIGS. 26A, 26B, and 26C illustrate the case where the gift certificate and point combination processing system shown in FIG. 21 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the gift certificate shown in FIG. 21). In the case where the information registration server 2100 on the point complex processing system is an internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits the predetermined point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account, the Internet banking server, Generate and convert a predetermined point exchange request electronic document including the received point exchange request information. To store in a predetermined storage medium (2180) by linking the customer information, the point provider information, the exchange rate information, the target account information included in the point exchange request information stored in the electronic document storage of the As those skilled in the art to which the present invention pertains, the point exchange request information is exchanged through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 26a, 26b, and 26c. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 26A, 26B, and 26C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 26A, 26B, and 26C, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the point exchange request information between the client terminal and the Internet banking server based on the browser program is shown, those skilled in the art to which the present invention pertains. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 26a, 26b, and 26c. And internet banking Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering point exchange request information between burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 26a, 26b and 26c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transactions channels for point exchange request information registration. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 26A, 26B and 26C.

In the following Figures 26a, 26b and 26c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 2100 is referred to as "server" for convenience.

26A, 26B, and 26C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2600a), the server connects the terminal and the server through the browser. (2605a), wherein a communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2610a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (2615a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2620a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2625a), or if the terminal does not need to install and / or update the Internet banking security module (2615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the point exchange request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of point exchange request information. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting and transmitting using an encryption method (and / or an encryption algorithm) on the server, the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2635a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2640a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2645a).

If the Internet banking customer authentication fails (2650a), the server blocks the internet banking security channel for the terminal (2655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2660a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined point exchange request information for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account to the server through the internet banking-based financial transaction channel (2600b), In response, the server may include a user interface for inputting (or selecting) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the target account information to be transmitted to the server. A web page is generated (or extracted) (2605b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (2610b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) point exchange request information including at least one of customer information, point provider information, exchange rate information, and deposit target account information in the terminal. And / or predetermined password and / or security card information (e.g., issued to the customer during the internet banking application process) to confirm the validity of the Internet banking customer requesting to register the point exchange request information. Security card information printed on a security card) and / or one time password (eg, an Internet banking application process (or after an internet banking application), an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable to further include a user interface for entering a one-time password generated through It is.

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

Thereafter, the terminal inputs (or selects) point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information through the information registration interface (2615b).

If the terminal inputs (or selects) the point exchange request information including the customer information, the point provider information, the exchange rate information, and the deposit target account information through the user interface (2620b), the terminal transfers the financial transaction channel. Through the input (or selected) point exchange request information is transmitted to the server (2625b).

According to an embodiment of the present invention, the terminal validates the validity of the point exchange request information in the server on the point exchange request information including at least one of the customer information, the point provider information, the exchange rate information, and the deposit target account information. At least one or more of a predetermined password and / or security card information for confirmation and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like, to be transmitted to the server through the network means. desirable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for point exchange request information including at least one or more of the customer information, point provider information, exchange rate information, and deposit target account information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the point exchange request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. And / or the accredited certificate is provided on a predetermined IC chip (or IC card). In this case, it is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for point exchange request information including at least one or more of the customer information, point provider information, exchange rate information, and deposit target account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), for checking the official certificate provided on the IC chip (or IC card) Laundry is preferably provided with a further.

Those skilled in the art should understand the technical features of various encryption methods for encrypting the point exchange request information and the technical features of attaching a predetermined electronic signature to the point exchange request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the point exchange request information through the financial transaction channel to check the validity of the point exchange request information (2630b).

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

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

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

According to an embodiment of the present invention, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined password for checking the validity of the point exchange request information, the server exchanges the point. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes predetermined security card information for confirming the validity of the point exchange request information, the server may include the point exchange request information. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the point exchange request information received through the information receiving unit 2115 further includes a predetermined OTP code for checking the validity of the point exchange request information, the server includes the point exchange request information. It is preferable to authenticate the validity of the received point exchange request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an exemplary embodiment of the present invention, the validity check of the point exchange request information may include at least one matched with the point exchange request information in the ledger D / B 2200 on a financial system associated with the gift certificate and the point complex processing system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 2120 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point exchange request information is linked with the gift certificate and the point complex processing system. / B (2200) is preferably made to include matching with the customer ledger stored in.

In addition, the validity check of the point exchange request information includes checking whether the deposit target account information matches the account ledger stored in the ledger D / B 2200 on the financial system associated with the gift certificate and the point complex processing system. It is preferable to make.

If the validity of the point exchange request information is not authenticated (2635b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2640b) and corresponds to the point exchange request information. Do not perform the information registration procedure.

On the other hand, if the validity of the point exchange request information is authenticated (2635b), the server identifies the target point to be exchanged from the point provider server 2185 corresponding to the point provider information included in the point exchange request information. (2641b).

Here, the point (or point value) is a point (or point value paid in response to the use of the card of the customer, a point value paid in correspondence with the securities transaction of the customer, and payment in response to the insurance subscription of the customer). It is desirable to include at least one point value and at least one membership point value of the customer.

According to the implementation method of the present invention, the point confirmation for the customer, it is preferable to check the point of the customer name (or another name designated by the customer) in connection with the point provider server (2185).

Those skilled in the art to which the present invention pertains will be familiar with the technical features of how to identify the point of the customer name (or other name designated by the customer), so the detailed description is for convenience. Omit.

If there is no exchange point (2642b), the server generates (or extracts) error information of the point exchange information) and transmits it to the terminal (2640b), and registers information corresponding to the point exchange request information. Do not perform the procedure.

On the other hand, if there is the exchange target point (2642b), the server converts the point into a blank gift certificate value (or gift certificate) (2643b), and converts the converted blank gift certificate value (or gift certificate) to the transfer target account. A deposit is processed into a financial account corresponding to the information (2644b).

According to the implementation method of the present invention, it is preferable that the process of converting the identified point into a blank gift certificate value (or gift certificate) is performed by applying the exchange rate for each point provider.

According to another exemplary embodiment of the present invention, the process of converting the identified point into a blank gift certificate value (or gift certificate) is preferably performed through the exchange of a predetermined point exchange server associated with the information registration server 2100.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method or process for converting the point into a blank voucher value (or voucher), so the detailed description is omitted for convenience. .

According to an exemplary embodiment of the present invention, the financial transaction processing of the converted blank gift certificate value (or gift certificate) includes depositing the converted blank gift certificate value (or gift certificate) included in the received point exchange request information. It is preferable to deposit the money into a financial account corresponding to the account information, and the financial account is preferably a gift certificate account capable of depositing a blank gift certificate value (or gift certificate).

In the technical field to which the present invention pertains, technical features of the financial transaction processing, that is, the process or method of depositing the exchanged blank gift certificate value (or gift certificate) into the deposit target account are described. Since it will be familiar, detailed description is omitted for convenience.

Thereafter, the server generates predetermined document content including at least one or more customer information including the point exchange request information, point provider information, exchange rate information, and deposit account information (2645b), and includes the document content. A predetermined point exchange request electronic document is generated (2650c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the received point exchange request information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as a point exchange application electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account.

Alternatively, the server generates document content including at least one or more customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and the point exchange request to the document content. A document file including document contents including the watermarking after including at least one of customer information, point provider information, currency exchange rate information, and deposit account information included in the information by a watermarking method ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) is deposited in the gift certificate account. To convert the exchanged value according to the exchange request for the point to be processed It is desirable.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Point exchange application electronic document for processing the exchanged value according to the exchange request for the target point for depositing an image file including an image content (e.g., image content generated by capturing the document content in memory) into the gift certificate account It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. At least one or more of customer information, point provider information, exchange rate information, and deposit target account information included in the point exchange request information is included in an image content (for example, image content generated by capturing the document content on a memory). After the watermarking method is included, the image file including the image content including the watermarking is converted into a point exchange application electronic document for processing the exchanged value according to the exchange request for the target point to be deposited in the gift certificate account. It is preferable to process.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Exchanged value according to the exchange request for the point to be deposited in the gift certificate account by generating an Interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the point exchange request electronic document for processing.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Water at least one or more of the customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information into an image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Word document files containing at least one DOC, etc., or Web document files containing MHT. By generating the like), it is preferable to apply processing to a point exchange electronic documents for the value exchange processing according to the exchange request to the target point to be deposited in the voucher account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit target account information included in the received point exchange request information. And a predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) and the point exchange request information. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the point exchange request electronic document for processing the exchanged value according to the exchange request.

Alternatively, the server generates document content including at least one of customer information, point provider information, exchange rate information, and deposit account information included in the received point exchange request information, and captures the document content. Water at least one or more of the customer information, point provider information, exchange rate information, and deposit account information included in the point exchange request information into an image content (for example, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, and a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content and the point exchange request information. ), Or a word processor file including at least one, such as HWP / DOC, It is preferred that treatment such as by creating a web page file that includes MHT), to a point exchange application electronic documents for the value exchange processing according to the exchange request to the target point to be deposited in the voucher account.

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

Thereafter, the server stores the generated point exchange request electronic document in a predetermined electronic document storage (2655c).

As shown in FIG. 21, the electronic document storage includes a predetermined electronic document server 2155 and an electronic document D / B 2175 associated with the gift certificate and a server on the point complex processing system through predetermined communication means. When the server is provided outside, it is preferable that the server transmits the generated point exchange request electronic document to the electronic document server 2155 through the communication means and stores the electronic document server 2155 in the electronic document D / B 2175. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the gift certificate and point complex processing system, the server sends the generated point exchange request electronic document to the DBMS provided in the gift certificate and point complex processing system. It is possible to store in the electronic document D / B 2175 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the point exchange request electronic document in the electronic document storage may be performed by linking the generated point exchange request electronic document with predetermined electronic document management information. It is preferable to include storing the document D / B 2175.

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

The electronic document management information may further include financial institution information that transmits the point exchange request electronic document.

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

If the point exchange request electronic document is stored in the electronic document repository (2660c), the server processes the customer information, the point provider information, the exchange rate information, and the deposit target account information included in the point exchange request information. Stored in a predetermined storage medium 2180 (2665c), predetermined information registration history information (e.g., the details of storing the point exchange request electronic document in the electronic document storage, and / or the storage medium 2180 The details of storing the point exchange request information) are generated (or extracted) and transmitted to the terminal (2670c).

According to an embodiment of the present invention, the storage medium 2180 is preferably provided in a DBMS on a financial system provided on the gift certificate and point complex processing system (or associated with the gift certificate and point complex processing system). In this case, the storage medium 2180 may be a ledger D / B 2200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 2200. The present invention is not limited.

According to another embodiment of the present invention, the storage medium 2180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the gift certificate and point complex processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

According to the present invention, by integrating the points for each point provider, integrated point operation of a blank gift certificate value (or gift certificate) in a single gift certificate account, convenient point use is possible.

In addition, for a small amount of points or points with few merchants who can use the points, the unused and discarded portion of the effective institution is converted to a blank gift certificate value (or gift certificate) and deposited in the gift certificate account. From the standpoint of more efficient use of the point has the advantage.

Claims (5)

Means for verifying at least one or more point values of the customer; And And a means for depositing the confirmed point value in a gift certificate account (or an account) held by a customer. The method of claim 1, And a means for converting the gift certificate value and the point value deposited in the gift certificate account (or account) into correspondence with a predetermined exchange rate. The method of claim 1, And a means for processing payment approval using a gift certificate value or a point value deposited in the gift certificate account (or account). Means for verifying at least one or more point values of the customer; Means for converting the identified point value into a predetermined gift certificate value; And a means for depositing the converted gift certificate value in a gift certificate account (or an account) possessed by the customer. The method of claim 1 or 4, wherein the point value is Respond to the point value paid in response to the customer's use of the card, the point value paid in response to the bank transaction performance of the customer, the point value paid in response to the customer's securities transaction, and the customer's subscription to the treasurer. And a point value paid in response to the financial transaction of the customer, and at least one of the point value paid in response to the financial transaction of the customer and the membership point value of the customer.

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