KR20090023431A - System for processing current deposit clearing capital transfer - Google Patents

Abstract

A system for processing current account clearing capital transfer is provided to enable a customer to manage a current account by a free deposit/withdraw account, a beneficiary certificate account, an installment saving account and mileages associatedly registered with a current account of the customer, thereby effectively managing the current account of the customer. An information checking unit(2820) compares clearing capital with a balance of a current account if the information checking unit receives a clearing request about a current account check issued associatedly with the current account. If the clearing capital is smaller than the balance of the current account, the information checking unit checks connecting account information and mileage information associated with the current account. A clearing unit transfers money corresponding to the amount of deposit of the checked associated account or mileage to the current account in order to clear a part or all of clearing money that a customer does not have.

Description

System for Processing Current Deposit Clearing Capital Transfer}

1 illustrates a configuration of an entire system for opening a checking account, registering linked information associated with a checking account, or operating a checking account according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a system of opening a checking account in a face-to-face manner for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium for storing the checking account information corresponding to the checking 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.

Figure 4 is an implementation in which a storage medium for storing the checking account information corresponding to the checking account opened in a 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 A diagram illustrating the method.

FIG. 5 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium storing the checking account information corresponding to the checking account opened in a face-to-face manner according to another embodiment of the present invention.

6A and 6B illustrate a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage in a face-to-face manner according to an exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a connection account or mileage in a face-to-face manner according to another exemplary embodiment of the present invention.

8A and 8B are diagrams illustrating a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a connection account or mileage in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating a non-face-to-face checking account opening system for settlement of an insufficient amount during a checking exchange exchange process in connection with a linked account or mileage according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing the checking account information corresponding to the checking 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.

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

FIG. 12 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium for storing the current account information corresponding to the current account opened in a non-face-to-face manner according to another embodiment of the present invention. .

13A and 13B illustrate a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage in a non-face-to-face manner according to an exemplary embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a process of opening a checking account for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a face-to-face linkage information registration system for linkage information registration including at least one linking account information or mileage information according to an embodiment of the present invention.

16 is a view illustrating a configuration of linkage information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for registering linkage information including at least one of connection account information or mileage information according to an embodiment of the present invention. Figure is shown.

17 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for registration of linkage information including at least one of connection account information or mileage information according to another embodiment of the present invention. FIG. Is a diagram illustrating a structure of stored linkage information.

18 is a diagram illustrating a configuration of linkage information stored in a DBMS provided in a banking server in a face-to-face manner for registering linkage information including at least one linking account information or mileage information according to another embodiment of the present invention. to be.

19A and 19B illustrate a process of registering linking information in a face-to-face manner according to an exemplary embodiment of the present invention.

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

21A and 21B illustrate a process of registering linking information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 22 is a diagram illustrating a non-face-to-face linked information registration system for registering linked information including at least one connection account information or mileage information according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating link information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for registering link information including at least one of linked account information or mileage information according to an embodiment of the present invention. Figure is a diagram.

24 is a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for registration of linkage information including at least one of connection account information or mileage information according to another embodiment of the present invention. FIG. 1 is a diagram illustrating a structure of link information stored in the link information. FIG.

FIG. 25 illustrates a configuration of link information stored in a DBMS provided in a banking server in a non-face-to-face manner for registering link information including at least one link account information or mileage information according to another embodiment of the present invention. Drawing.

26A and 26B illustrate a process of registering link information in a non-face-to-face manner for registering link information including at least one connection account information or mileage information according to an embodiment of the present invention.

27A, 27B, and 27C illustrate a process of registering link information through a non-face-to-face financial transaction channel for registering link information including at least one of linked account information or mileage information according to an embodiment of the present invention. Figure is shown.

FIG. 28 is a diagram illustrating a checking account operating system for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an embodiment of the present invention.

FIG. 29 is a view illustrating an operation flow of a checking account operating system for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an embodiment of the present invention.

<Description of main parts of drawing>

100: checking account opening system 105: linked information registration system

110: checking account operating system 115: financial system

The present invention checks the account opening means for opening a checking account linked to the customer's name and the mileage information of the customer, and a payment processing request for the checking check issued in association with the checking account, Information checking means for checking the linked account information associated with the checking account and the mileage information of the customer when the balance of the checking account is less than the payment amount by comparing the payment amount for the checking account and the balance of the checking account; Regarding the checking exchange payment processing system including a transfer processing means for transferring the deposit amount of the confirmed linked account or the amount corresponding to the mileage to the checking account for payment of a part or all of the payment amount will be.

In recent years, the rapid development of the economy has resulted in the increase of many companies and of individuals who have accumulated a lot of wealth.

In such a situation, the company or individual has a lot of cash, but because it is too bulky to carry it directly, issuing a check and using like cash.

The checks are generally used cashier's checks or checking checks, the cashier's checks are currently used in the same form as cash, but in the case of checking checks are used in a different form than cash.

In the case of the checking check, it is necessary to connect to the existing checking account and require a separate operation of the checking account, but each time a company or individual issues a checking check, the checking of the checking account is confirmed and the checking check is made. There is a difficult problem to issue.

In addition, in addition to the checking account, deposits are distributed to various accounts according to the needs or purposes of the company or the individual, but there is a problem in that time is spent to transfer one by one for the checking check.

An object of the present invention for solving the above problems is, account opening means for opening a checking account linked to the customer account linked account information and the mileage information of the customer, and payment for the checking check issued in connection with the checking account When receiving a processing request, when the balance of the checking account is less than the payment amount by comparing the payment amount for the checking check and the balance of the checking account, the linked account information associated with the checking account and the mileage information of the customer And information processing means for confirming and transfer processing means for transferring the deposit amount of the confirmed linked account or the amount corresponding to the mileage to the checking account for payment of a part or all of the insufficient payment amount. It is to provide a checking exchange payment transfer system.

The checking exchange payment transfer system according to the present invention, the account opening means for opening a checking account linked to the linked account information and the customer's mileage information in the customer's name, and for the checking check issued in association with the checking account When the payment processing request is received, if the balance of the checking account is less than the payment amount by comparing the payment amount for the checking check and the balance of the checking account, the linked account information associated with the checking account and the mileage of the customer Information checking means for confirming information and a transfer processing means for transferring the deposit amount of the confirmed linked account or the amount corresponding to the mileage to the checking account for payment of a part or all of the insufficient payment amount; Characterized in that made.

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 able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 illustrates the configuration of an entire system for opening a checking account, registering linked information associated with a checking account, or operating a checking account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a new checking account including at least one predetermined linking information (eg, connecting account information, mileage information, etc.) in addition to existing checking account attributes (eg, limit amount, automatic loan availability, etc.). It shows the overall configuration of the system for opening or registering the linked information in the already opened checking account, and operating the checking account based on the registered linked information, and the general knowledge in the field to which the present invention belongs. In the case of the person having the present invention, the present invention includes at least one predetermined linkage information (eg, linked account information, mileage information, etc.) in addition to the existing checking account properties (eg, limit amount, automatic loan availability, etc.) by referring to and modifying the drawing 1. Open a new checking account that is made, or register the linking information in the existing checking account, based on the registered link information Various implementation methods of the system for operating the checking account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the drawing.

The linkage information includes at least one amount of withdrawal of a deposit of the linked account in connection with a linked account set up in the opening of a checking account for a checking exchange settlement transaction, or an amount of money converted into cash in connection with mileage information. It is preferable that the amount including the above amount is deposited in the checking account and at least one connection account information and mileage information is included for the settlement of the amount insufficient for the checking exchange payment process.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. For this purpose, it is preferable to include at least one or more mileage connection information for the mileage held by a predetermined customer, customer information for the mileage, and the like.

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). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system 100 in response to the customer. It is preferable to include at least one.

For example, those skilled in the art to which the present invention pertains may refer to the present invention in the process of constructing a system by referring to and modifying the present invention. Various implementation methods such as the system 100, the linked information registration system 105, the checking account operating system 110, and the financial system 115 may be inferred. It includes all inferred implementation methods, and is not limited by this drawing.

In addition, if a person having ordinary knowledge in the field of the present invention, in the current account opening system 100, the linked information registration system 105, the current account operating system 110, financial system 115 D / B for storing and registering predetermined information may be provided in each system, and the checking account opening system 100, the linkage information registration system 105, the checking account operating system 110, and the financial system may be provided. Various implementation methods such as integrating at least one or more D / B used in the 115 may be inferred in the form of a DBMS, but the present invention includes all the implementation methods inferred, according to Figure 1 It is not limited.

Referring to FIG. 1 according to the embodiment of the present invention, a system for opening the checking account, registering the linked information associated with the checking account, or operating the checking account is connected to the checking account or mileage, etc. Opening the checking account opening system 100 for payment of the insufficient amount at the time of processing, the linking information registration system 105 for registering linking information comprising at least one or more of the linked account information or mileage information, and the linked account or Checking account operating system 110 for payment of the insufficient amount in the course of the checking exchange payment in connection with mileage and the like, and the customer to register the linking information, or face-to-face channel (eg, teller terminal, etc.) or non-opening for opening the checking account Terminal device 120 including at least one facing channel (for example, wired terminal, wireless terminal, etc.) Characterized in that obtained by box.

According to the present invention, the checking account opening system 100 includes a checking account application in which a predetermined customer includes at least one predetermined customer information, account attribute information, linked account information, and mileage information, and is provided to a predetermined financial institution. When the filing is made, the deposit of the linked account is made in connection with the linked account set up in the opening of the checking account for the checking exchange payment transaction based on the checking account information corresponding to the checking account application. Deposit the amount of money, including at least one or more of the mileage converted into cash in connection with the withdrawal amount or mileage information, to the checking account, and open a checking account to settle the insufficient amount during the checking exchange payment process. Storing the checking account information for managing the checking account in a predetermined storage medium. It characterized.

In addition, the checking account opening system 100, the predetermined customer through the predetermined financial account opening interface, the bank account information including at least one or more predetermined customer information, account attribute information, linked account information, mileage information If provided to the institution, the financial institution in connection with the amount of withdrawal of the deposit of the linked account, or mileage information, etc., in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction based on the checking account information By depositing an amount of money including at least one or more of the amount of money converted into cash to the checking account, opening a checking account for settlement of the insufficient amount at the time of checking and checking the current account, and checking the checking account for managing the checking account. The account information is stored in a predetermined storage medium.

According to the present invention, the linked information registration system 105 includes at least one linked account information for withdrawing a deposit of a linked account or a mileage information for converting the mileage into cash for a predetermined customer to conduct a checking exchange settlement transaction. In order to register the link information, the link information registration application including at least one of customer information, link account information, and mileage information is prepared and submitted. Obtaining the corresponding predetermined image content, and providing the link information corresponding to the link information registration application and the image content obtained from the link information registration application to the link information registration system 105 through a predetermined information registration interface. A predetermined association including the image content Generating a beam registration application to an electronic document stored in a given electronic document storage, and in conjunction processes the customer information, account information, connection, mileage information included in the linkage information, characterized in that stored in the predetermined storage medium.

In addition, the linked information registration system 105 is a predetermined customer through the predetermined information registration interface to the linked information registration system 105 for the customer information, linked account information, mileage information, customer information, linked account information, mileage When providing the linkage information including at least one information, the linkage information registration system 105 generates a linkage information registration request electronic document including the linkage information provided and stores it in a predetermined electronic document repository, and The customer information, the connection account information, and the mileage information included in the linkage information may be stored in a predetermined storage medium by linkage processing.

According to the present invention, the checking account operating system 110 operates the checking account opened through the checking account opening system 100 shown in FIG. 2 or 9 based on the checking account operating information stored in the storage medium. It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. Deposit the amount into the checking account, characterized in that the settlement of the insufficient amount during the checking exchange payment process.

According to an embodiment of the present invention, the financial system 115 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (eg, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 115 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 115 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 115 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

The financial system 115 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server. At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 115 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 115 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV and / or refrigerator connected to a home network) Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system 115 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV) connected to a predetermined return channel (Return Channel) through the TV banking server , Non-face-to-face financial transaction services to at least one financial transaction customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 1, the financial system 115 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 115 and at least one other financial system 115 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) the financial system 115 And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 115 further includes: An interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 115 and predetermined information (for example, required information for performing each function in the components of the financial system 115). And a database management system (DBMS) including at least one or more databases for storing and managing ledger information, and / or customer information, and / or management information.

In addition, the financial system 115 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 115 and the purpose of the financial system 115. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 115, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

2 is a diagram illustrating a system for opening a checking account in a face-to-face manner for settlement of a lack of money in a checking exchange exchange process in connection with a linked account or mileage according to an exemplary embodiment of the present invention.

More specifically, FIG. 2 shows that when a given customer prepares a checking account application including at least one of predetermined customer information, account attribute information, linked account information, and mileage information, and submits it to a window provided at a predetermined financial institution, Amount, or mileage information, withdrawn from the deposit of the linked account by the financial institution in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction based on the checking account information corresponding to the checking account application Depositing an amount of money including at least one amount of the mileage converted into cash to the checking account, opening a checking account for settlement of the insufficient amount at the time of checking the checking exchange, and managing the checking account; System configuration for storing the checking account information for a predetermined storage medium (285) As a person of ordinary skill in the art to which the present invention pertains, the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking and settlement of the current account by referring and / or modifying the drawing 2 The system for opening a checking account for depositing an amount of money, including at least one or more of the amount of money converted into cash, in connection with the mileage information, etc., into the checking account and paying the insufficient amount at the time of checking the checking exchange. 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 having ordinary knowledge in the technical field to which the present invention pertains may configure a checking account opening system without omitting the method of storing the checking account electronic document in the electronic document repository by referring to and / or modifying the drawing 2. It is also possible to infer the case, and also in the case of storing the checking account electronic document in the electronic document storage, in addition to the implementation method shown in FIG. 2, the electronic document storage is implemented in a DBMS located in the checking account opening system. 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 FIG.

In addition, as shown in FIG. 2, in the method for generating the checking account electronic document, the present invention will be described by generating a checking account electronic document corresponding to the checking account application on the server side on the checking account opening system. However, the present invention is not limited thereto, and the checking account electronic document may be generated at the terminal that acquires the image content corresponding to the checking account application through a predetermined image obtaining apparatus (eg, the server side). The electronic document generating function provided in the terminal side to generate the checking account electronic document), thereby the present invention is not limited.

Hereinafter, the customer opens the checking account in response to the checking account application and the checking account information prepared by the customer through a predetermined opening of the checking account on the checking account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a checking account electronic document and storing it in a predetermined electronic document repository is referred to as "financial company server 200" for convenience.

Referring to this figure 2 according to the embodiment of the present invention, in connection with the connection account and the like set in the opening of the checking account for the checking exchange settlement transaction, the amount withdrawn the deposit of the connection account, or in connection with the mileage information The system for opening a checking account for depositing an amount of money including at least one amount of mileage converted into cash into the checking account and paying the insufficient amount at the time of checking the checking exchange is at least one financial institution branch (or branch). And a terminal device 120 including a window terminal provided in the terminal device 120. The terminal device 120 includes a financial company server 200 provided on the checking account opening system through a predetermined financial network. The communication channel is connected.

According to an exemplary embodiment of the present invention, the customer connects the mileage with the amount of withdrawal of the deposit of the linked account, or with mileage information, in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction. Deposit the amount including at least one amount converted into cash into the checking account, visit the financial institution branch (branch branch) to settle the insufficient amount during the checking and settlement process, and the financial institution branch (branch branch). The mileage in connection with the amount of withdrawal of the deposit of the linked account, or in connection with the mileage information, etc. in connection with the connection account set up in the opening of the checking account for the checking exchange settlement transaction (or through the clerk) through the window provided in the Amount of money, including at least one Deposit in the current checking account and deposit the amount of the linked account in connection with a predetermined checking account application (e.g., the linked account set up in the opening of the checking account for the checking and checking transaction). At least one or more information for depositing the amount of money withdrawn into the checking account, including at least one or more of the amount of money converted into cash in connection with the mileage information, etc. A document with a form for filling out the item), wherein the customer is to seal the customer's seal for the legal basis for the checking account application.

Subsequently, when the customer submits the completed checking account application to the teller, the teller scans the checking account application through a predetermined image obtaining device to obtain predetermined image contents, and through the predetermined teller terminal, Input (or select) image contents obtained in response to the checking account application and checking account information including at least one of customer information, account attribute information, linked account information, and mileage information entered in the checking account application, and correspondingly Preferably, the teller terminal transmits the image content and the checking account information to the financial company server 200 provided on the checking 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 200 is connected to the window terminal on the predetermined financial system 115 It is preferable to include a provided server (for example, ledger server, etc.), and the financial network connecting the teller terminal and the financial company server 200 connects the communication channel between the teller terminal and the financial company server 200. It is preferable to comprise a network.

In the system for opening a checking account as described above, an image acquisition device for acquiring image contents corresponding to the checking account application prepared by the customer, a teller terminal used by the employee and the teller terminal and the financial company server 200 are connected. The financial network is the amount that the customer withdraws the deposit of the linked account in connection with the consolidation account set up in the process of opening a checking account for the checking exchange settlement transaction, or the amount of money converted into cash in connection with mileage information, etc. And deposits an amount of money including at least one of the money into the checking account, and performs a function of a financial account opening interface for registering the checking account information for the payment of the insufficient amount during the checking of the checking exchange.

The storage medium 285 provided on the checking account opening system according to the present invention stores the customer information, account attribute information, connection account information, and mileage information included in the checking account information provided from the terminal device 120. And storing the checking account information including at least one.

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The consolidated account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction, the deposit to the checking account by the predetermined customer for payment of the insufficient amount during the processing of the checking exchange It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

According to one embodiment of the invention, the storage medium 285 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 285 may be a ledger D / B 280 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 280. Thereby, the present invention is not limited.

According to another embodiment of the present invention, the storage medium 285 is provided on (or associated with) the checking 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 200 provided on the checking account opening system according to the present invention is a generic term for the checking account opening system side components connected to the terminal device 120 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 120 is a window terminal connected to a predetermined financial network, the financial company server 200 is connected to the financial terminal 115 through the predetermined financial network. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 115, and / or a program provided in the external system on the financial system 115, Thereby, the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 200 may include an interface unit 205 for connecting and managing a predetermined communication channel with the terminal device 120 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 120 is a window terminal connected to a predetermined financial network, the interface unit 205 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. 2, when the predetermined terminal device 120 connects a predetermined communication channel with the financial institution server 200 through the interface unit 205, the financial institution server 200 provides the current exchange settlement transaction. For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. Deposit the money in the bank, and acquire an image content corresponding to the checking account application created by the customer through a predetermined image obtaining device provided in the terminal device 120 to pay the insufficient amount during the checking exchange payment process, and the checking account At least one to input (or select) the checking account information corresponding to the account application to the financial institution server 200 An interface providing unit 210 for generating (or extracting) the user interface and providing the generated (or extracted) user interface to the terminal device 120 in association with the interface unit 205, and the terminal device. When the user inputs (or selects) the checking account information corresponding to the checking account application through the user interface at 120, the checking account transmitted from the terminal device 120 in association with the interface unit 205. When the information receiving unit 215 for receiving information and the terminal device 120 acquires and transmits image contents corresponding to the checking account application prepared by the customer through a predetermined image obtaining apparatus based on the user interface, It is provided with an image receiving unit 220 for receiving the image content corresponding to the checking account application in association with the interface unit 205 It is characterized by made.

The interface provider 210 connects a predetermined communication channel with the financial institution server 200 through the interface unit 205 and then connects the checking account to the financial institution server 200. For the transaction, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. When depositing into the account and requesting a user interface for payment of the insufficient amount during the checking exchange payment process, an image corresponding to the checking account application prepared by the customer through a predetermined image obtaining device provided in the terminal device 120 Acquires content, inputs (or selects) checking account information corresponding to the checking account application, and establishes the financial network. Create at least one user interface to be transmitted to the financial institution server 200 through, or / or extracted from a predetermined database (not shown), and the user generated (or extracted) in conjunction with the interface unit 205 It characterized in that to provide an interface to the terminal device 120 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 120 acquires image contents corresponding to the checking account application prepared by the customer through a predetermined image obtaining apparatus, and inputs checking account information corresponding to the checking account application. (Or select) a predetermined information registration program having at least one user interface for transmitting to the financial institution server 200 through the financial network, the customer through the predetermined image acquisition apparatus as described above. Acquiring image content corresponding to the created checking account application, generating (or extracting) a user interface for inputting (or selecting) checking account information corresponding to the checking account application and transmitting it to the financial institution server 200. The interface providing unit 210 provided to the terminal device 120 may be omitted. The present invention will not limited.

Thereafter, the terminal device 120 inputs (or selects) checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information through the user interface, and inputs (or selects) the account information. The current account information is transmitted to the financial institution server 200 through the financial network. In response thereto, the information receiving unit 215 is connected to the interface unit 205 and is transmitted from the terminal device 120. Receiving the checking account information.

In addition, the terminal device 120 obtains the image content corresponding to the checking account 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 220 receives the image content corresponding to the checking account application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal apparatus 120 acquires image contents corresponding to the checking account application prepared by the customer through a predetermined image obtaining apparatus, and is provided to the terminal apparatus 120 (or When the terminal device 120 is previously stored in a predetermined storage device, the terminal device 120 may store image content corresponding to a checking account application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select and transmit to the financial company server 200 through the financial network, in response to the image receiving unit 220 receives the image content corresponding to the checking account application in connection with the interface unit 205. desirable.

According to another exemplary embodiment of the present invention, when the terminal device 120 transmits the image content corresponding to the checking account application prepared by the customer and the checking account information corresponding to the checking account application through the user interface. The information receiving unit 215 may be configured to receive the image content corresponding to the checking account application and the checking account information together with the interface unit 205 (for example, the image receiving unit 220 may be connected to the information receiving unit). 215) and the present invention is not limited thereto.

Referring to FIG. 2, when the financial account server 200 receives the checking account information transmitted from the terminal device 120 through the information receiving unit 215, the received checking account information is the checking exchange payment transaction. For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. It is characterized in that it comprises a validity confirming unit 225 for depositing in and checking whether the insufficient amount during the checking exchange payment process satisfies the validity for payment.

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 280 on the financial system 115 associated with the checking account opening system It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferably made to include matching with the customer ledger stored in the D / B (280).

Referring to FIG. 2, the financial institution server 200 receives the image content transmitted from the terminal device 120 through the image receiving unit 220 and the checking account information through the validity checking unit 225. When the validity is verified, the electronic document generation unit 230 for generating a predetermined checking account electronic document including the received image content, and the generated checking account electronic document is associated with the checking account opening system. It is characterized by comprising an electronic document transmission unit 235 for transmitting to the document storage.

The electronic document generator 230 generates a checking account electronic document including the image content received from the terminal device 120 through the image receiver 220.

According to an embodiment of the present invention, the electronic document generating unit 230 transfers the overdraft payment transaction as it is to the image file including the image content received from the terminal device 120 through the image receiving unit 220. For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. It is preferable to deposit the amount in the bank account and process the insufficient amount in the checking and settlement process as a checking account electronic document for payment.

Alternatively, the electronic document generator 230 may include customer information included in the checking account information received through the information receiver 215 on the image content received from the terminal device 120 through the image receiver 220. Linking account set in the opening of the checking account for the checking and checking transaction of the image file corresponding to the image content including at least one or more information, account property information, linked account information, mileage information in a watermarking method Deposit the deposit amount of the linked account in connection with the bank account, or deposit an amount including at least one amount of the mileage converted into cash in connection with the mileage information, etc. It is preferable to create a checking account electronic document for payment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 230 includes a predetermined document file (eg, PDF) including the image content received from the terminal device 120 through the image receiving unit 220. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. It is advisable to create a checking account electronic document for depositing the amount in the bank account, and for the amount insufficient for the checking exchange. The.

Alternatively, the electronic document generator 230 may include customer information included in the checking account information received through the information receiver 215 on the image content received from the terminal device 120 through the image receiver 220. Generating image content including at least one of account property information, linked account information, and mileage information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content. A Document 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 MHT). In connection with the linked account set in the opening of the checking account, the amount withdrawn from the deposit of the linked account, or the mileage information Depositing an amount of cash in exchange for a group mileage checking account the amount comprising at least one, and it is preferable to generate the electronic document checking account for a payment settlement process when insufficient checking exchange.

According to another exemplary embodiment of the present invention, the electronic document generator 230 receives the image content and the information receiver 215 received from the terminal device 120 through the image receiver 220. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the current checking account information, or an MHT By generating a web document file, etc.), the amount of money withdrawn from the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction, or the mileage information in cash Deposit the amount including at least one exchanged amount into the checking account, and make an insufficient amount when processing the checking exchange. Checking account for it is preferable to generate the electronic document.

Alternatively, the electronic document generator 230 may include customer information included in the checking account information received through the information receiver 215 on the image content received from the terminal device 120 through the image receiver 220. Generating image contents including at least one or more of account attribute information, linked account information, and mileage information by a watermarking method, and a predetermined document file including the generated image contents and the checking account information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Amount, or mileage, withdrawn from the deposit of the linked account in connection with the linked account established during the opening of the checking account for the exchange settlement transaction It is preferable to deposit an amount of money including at least one amount of money converted into cash in connection with the information to the checking account, and generate a checking account electronic document for settlement of the amount insufficient during the checking exchange payment process.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 230 to generate a checking account electronic document in an image file format and / or a predetermined document file format, and the checking account. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitter 235 transmits and stores the current checking account electronic document generated by the electronic document generator 230 to a predetermined electronic document repository associated with the checking account opening system. .

As shown in FIG. 2, a predetermined electronic document server 255 and an electronic document D / B 275 in which the electronic document storage is linked with a financial company server 200 on the checking account opening system through predetermined communication means. When provided externally, the electronic document transmission unit 235 transmits the checking account electronic document generated by the electronic document generation unit 230 to the electronic document server 255 through the communication means. Characterized in that.

Here, when the electronic document server 255 and the electronic document D / B 275 is provided outside the checking account opening system, the electronic document server 255 and the electronic document D / B 275 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 the DBMS provided in the checking account opening system, the electronic document transmission unit 235 is the electronic document generation unit 230 generated by the It is possible to store the checking account electronic document in the electronic document D / B 275 corresponding to the electronic document storage on the DBMS provided in the checking account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 235 may be electronic document related information (eg, a checking account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 255. Customer information, and / or financial institution information transmitting the checking account electronic document, and / or electronic document file format information, and / or the checking account information, etc.) to the electronic document repository. It is possible that the present invention is not limited thereby.

Referring to FIG. 2, the financial institution server 200 sets the checking account information received through the information receiving unit 215 during the checking account opening process for the checking exchange payment transaction through the validity checking unit 225. When depositing the deposit amount of the linked account in connection with a consolidation account or the like, or depositing at least one or more amounts of money converted into cash in connection with mileage information, etc. to the checking account, When the validity for payment for the insufficient amount is authenticated, the information generating unit for generating the financial account information based on the customer information, account attribute information, linked account information, mileage information included in the checking account information of the validity ( 265, and an account opening unit 245 for opening and processing a financial account in the customer's name including the financial account information. Characterized in that made.

When the validity of the checking account information is confirmed by the validity checking unit 225, the information generating unit 265 is based on the customer information, account attribute information, linked account information, mileage information included in the checking account information. It characterized in that for generating the financial account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

The account opening unit 245 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 115 (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, thereby responsive to the checking account information. For the transaction, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. Deposit into the account and open a predetermined financial account to settle the amount insufficient for the checking exchange. And that is characterized.

According to an exemplary embodiment of the present invention, when the financial company server 200 and the financial system 115 exist in the same system, the account opening unit 245 may be linked with the financial system 115 in the ledger D / B. Preferably, at 280, a predetermined account ledger including financial account information is generated.

According to another exemplary embodiment of the present invention, when the financial institution server 200 and the financial system 115 exist on another system connected through a predetermined communication means, the account opening unit 245 may use predetermined communication means. Through the external system on the financial system 115, it is preferable to request the ledger D / B 280 on the other financial system 115 to generate a predetermined account ledger including the financial account information.

Referring to FIG. 2, the financial institution server 200 sets the checking account information received through the information receiving unit 215 during the checking account opening process for the checking exchange payment transaction through the validity checking unit 225. When depositing the deposit amount of the linked account in connection with a consolidation account or the like, or depositing at least one or more amounts of money converted into cash in connection with mileage information, etc. to the checking account, When the validity for the payment of the insufficient amount is authenticated, the storage medium includes the checking account information including at least one of the customer information, the account attribute information, the linked account information, and the mileage information included in the validated checking account information. And an information storage unit 250 stored in 285.

When the validity of the checking account information is confirmed by the validity confirming unit 225, the information storage unit 250 stores the customer information, account attribute information, connection account information, and mileage information included in the checking account information. And storing the checking account information including at least one of the checking account information in the storage medium 285.

According to an exemplary embodiment of the present invention, when the storage medium 285 is provided in the financial institution server 200 or on the network associated with the financial institution server 200, the information storage unit 250 may be configured to include the storage medium 285. It is preferable to store the checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information included in the received checking account information in the storage medium 285.

According to another exemplary embodiment of the present invention, when the storage medium 285 is provided in a DBMS provided on the financial system 115, the information storage unit 250 includes the customer included in the received checking account information. Providing the account information including at least one information, account attribute information, linked account information, and mileage information as an information system through an external system on the financial system 115 to store in a DBMS provided on the financial system 115. It is preferable.

2, an electronic document server that receives a predetermined checking account electronic document from the financial institution server 200 provided on the checking account opening system and stores and manages the predetermined checking account electronic document D / B 275 ( 255, an electronic document receiving unit 260 for receiving a predetermined checking account electronic document from the financial institution server 200 through a predetermined communication means, and the received checking account electronic document for the electronic document D / B (275). An information generation unit 265 for generating predetermined electronic document management information for storing and managing the same, and the electronic document management information and the checking account electronic document are linked to a predetermined electronic document D / B 275. It is characterized by comprising an electronic document storage unit 270 for storing.

The electronic document receiver 260 may receive a checking account electronic document in the form of an image file and / or a document file from the financial institution server 200 through the communication means.

According to an exemplary embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 260 through the communication means includes the image content received by the financial institution server 200 from the terminal device 120. It is preferable to include an image file as it is.

Alternatively, the current account electronic document received by the electronic document receiving unit 260 through the communication means is a customer included in the checking account information in the image content received by the financial institution server 200 from the terminal device 120. It is preferable to include an image file corresponding to an image content including at least one of information, account attribute information, linked account information, and mileage information in a watermarking manner.

According to another exemplary embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 260 through the communication means includes image contents received by the financial institution server 200 from the terminal device 120. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the checking account electronic document received by the electronic document receiving unit 260 through the communication means includes customer information included in the checking account information in the image content received by the financial institution server 200 from the terminal device 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an EDI (Electronic) file) containing image content including at least one of at least one of account attribute information, linked account information, and mileage information in a watermarking manner. 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 embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 260 through the communication means is the image content received by the financial institution server 200 from the terminal device 120 And a predetermined document file including the checking account information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. Web document files, etc.) to be included.

Alternatively, the checking account electronic document received by the electronic document receiving unit 260 through the communication means includes customer information included in the checking account information in the image content received by the financial institution server 200 from the terminal device 120. Image content including at least one of account property information, linked account information, and mileage information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file) including the checking account information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 265 is a predetermined electronic document unique number (or unique information) to be assigned to the checking account electronic document received through the electronic document receiving unit 260 and the checking account through the electronic document receiving unit 260. And generating electronic document management information including electronic document storage date and time information including a date and time at which an electronic account document is received (or a date and time at which the checking account electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 265 refers to the checking account electronic document which has transmitted the checking account electronic document received through the electronic document receiving unit 260 to check the checking account electronic document. It is preferable to identify the financial institution that has been transmitted and to 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 200 through the electronic document receiving unit 260, the information generating unit 265 may receive the received electronic document. Document-related information (e.g., customer information that created a checking account application corresponding to the image content, and / or financial institution information transmitting the checking account electronic document, and / or electronic document file format information, and / or the checking account) It is preferable to generate electronic document management information further including information).

The electronic document storage unit 270 associates the checking account electronic document received through the electronic document receiving unit 260 with electronic document management information generated through the information generating unit 265 to process a predetermined electronic document D /. It stores in the B (275).

According to the exemplary embodiment of the present invention, the bank account electronic document stored in the electronic document storage unit 270 in the electronic document D / B 275 is the financial company server 200 from the terminal device 120. It is preferable that the image file including the received image content is included as it is.

Alternatively, the checking account electronic document stored in the electronic document D / B 275 by the electronic document storage unit 270 is the checking account in the image content received by the financial institution server 200 from the terminal device 120. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information, account attribute information, linked account information, mileage information included in the account information in a watermarking method.

According to another exemplary embodiment of the present invention, the bank account electronic document stored in the electronic document D / B 275 by the electronic document storage unit 270 is provided by the financial institution server 200 from the terminal device 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.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the checking account electronic document stored in the electronic document D / B 275 by the electronic document storage unit 270 may include the checking account in the image content received by the financial institution server 200 from the terminal device 120. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of customer information, account attribute information, linked account information, and mileage information included in the information by a watermarking method. ) 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.

According to another exemplary embodiment of the present invention, a bank account electronic document stored in the electronic document D / B 275 by the electronic document storage unit 270 is the financial company server 200 by the terminal device 120. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including the image content received from the account and the checking account information. File, or a web document file including MHT).

Alternatively, the checking account electronic document stored in the electronic document D / B 275 by the electronic document storage unit 270 may include the checking account in the image content received by the financial institution server 200 from the terminal device 120. Image content including at least one of customer information, account attribute information, linked account information, and mileage information included in the information by a watermarking method and a predetermined document file including the checking account information (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 275 by the electronic document storage unit 270 in association with the checking account electronic document is stored in the checking account electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned 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 275 by the electronic document storage unit 270 in association with the checking account electronic document is stored in the checking account electronic document. It is preferable that the financial institution server 200 that has transmitted the information on the financial institution that has transmitted the checking account electronic document is preferably made.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 200, the electronic document storage unit 270 processes the electronic document by linking the checking account electronic document. The electronic document management information stored in the D / B 275 may include the received electronic document related information (for example, customer information in which a checking account application corresponding to the image content is generated, and / or the checking account electronic document). Financial institution information, and / or electronic document file format information, and / or the checking account information).

3 is a diagram showing an implementation method in which a storage medium 285 for storing the checking account information corresponding to the checking account opened in a face-to-face manner is provided in a DBMS on the financial system 115 according to an embodiment of the present invention. .

In more detail, in FIG. 3, the storage medium 285 shown in FIG. 2 is the ledger D / B 280 provided in the DBMS on the financial system 115, or the ledger D / B 280 provided in the ledger D / B 280. FIG. In this case, the information structure for an embodiment of the method of storing the checking account information in the ledger information provided in the ledger D / B (280), if the person having ordinary skill in the art Although various information construction methods for storing the checking account information in the ledger D / B 280 may be inferred by referring to and / or modifying the drawing 3, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 280 provided in the DBMS on the financial system 115 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the checking account opening system shown in FIG. 2 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B 280 provided in the DBMS on the financial system 115 has at least one ledger (eg, 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. Since a group to be aware, a 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, area 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 form, and corresponds to the financial account, the 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, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and 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. 3, the storage medium 285 is the ledger D / B 280 or includes an implementation method provided in the ledger D / B 280 according to one embodiment of the present invention. The addition of the checking account information including at least one of the customer information, account attribute information, linked account information, mileage information included in the checking account information provided through the checking account opening system shown in FIG. Characterized in that it is stored in the form of information.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

According to another embodiment of the present invention, the checking account 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 (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

4 is a ledger D / B 400 having a storage medium 405 storing a checking account information corresponding to a checking account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on the financial system 115. Is a diagram illustrating an implementation method including a database associated with a.

In more detail, FIG. 4 illustrates an embodiment in which the storage medium 405 illustrated in FIG. 2 includes a predetermined database linked to the ledger D / B 400 provided in the DBMS on the financial system 115. As shown in the information structure, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to display the checking account information in a predetermined database in the ledger D / B 400. It will be able to infer a variety of information configuration method for storing 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, FIG. 4 illustrates a case in which it is not easy to store the checking account information in the ledger information of the ledger D / B 400 on the DBMS provided on the financial system 115 (for example, in the policy of a financial institution, the DBMS). If it is not easy to change the ledger D / B 400 of the ledger, or the system expansion is not easy due to the nature of the financial system 115), the checking account in a predetermined database instead of the ledger D / B 400. It shows an implementation method of storing the information, the database and the ledger D / B (400) in a cooperative process.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on the financial system 115 as in the embodiment shown in FIG. 4, and a 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.

According to another embodiment of the present invention, referring to FIG. 4, the storage medium 405 includes a database associated with the ledger D / B 400 provided in the DBMS on the financial system 115. And storing the checking account information including at least one of the customer information, the account property information, the linked account information, and the mileage information included in the checking account information, wherein the checking account information is the ledger D / B (400). It is preferable that the CIF number corresponding to the ledger information is further included in the checking account information in order to be processed in association with).

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

5 is an embodiment of the present invention in which the storage medium for storing the checking account information corresponding to the checking account opened in a face-to-face manner according to another embodiment of the present invention includes a DBMS provided in the banking server 500. Figure is shown.

In more detail, FIG. 5 illustrates a predetermined banking system in which the storage medium 405 shown in FIG. 2 is provided on an Internet banking system and / or a telebanking system, a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 500, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. It will be possible to infer the information configuration method for the checking account information stored in the predetermined DBMS provided in 500), but the present invention includes all the implementation methods inferred, limited to the implementation method shown in FIG. Not.

According to another exemplary embodiment of the present invention, referring to FIG. 5 in which the storage medium 405 includes a DBMS provided in the banking server 500, a predetermined DBMS provided in the banking server 500 may be And storing the checking account information including at least one of the customer information, the account attribute information, the connection account information, and the mileage information included in the checking account information.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. For this purpose, it is preferable to include at least one or more mileage connection information for the mileage held by a predetermined customer, customer information for the mileage, and the like.

6A and 6B illustrate a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 120 on the checking account opening system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the financial institution server 200 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network, a predetermined customer is linked to a linked account, etc., established during the opening of a checking account for a checking exchange payment transaction. Deposit the deposit amount of the linked account, or an amount including at least one or more of the amount of money converted into cash in connection with the mileage information, etc., into the checking account, and settle the insufficient amount when the checking exchange is processed; Accounts containing at least one customer information, account property information, linked account information, mileage information to open a checking account for Comprising a system for filling out and submitting a left application, the financial institution opens a checking account in a face-to-face manner based on the checking account application. Specifically, the customer fills out the checking account application and submits it to the counter. When the counter terminal acquires predetermined image contents corresponding to the checking account application through a predetermined image obtaining apparatus and transmits the predetermined image content to the financial institution server 200, the checking account information corresponding to the checking account application is obtained. When the input (or selection) is transmitted to the financial institution server 200, the financial institution server 200 based on the checking account information including at least one of the customer information, account attribute information, linked account information, mileage information The implementation method of opening and processing the checking account is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the checking account information to the financial company server 200 at the teller terminal by referring to and / or modified in the drawings 6a and 6b It 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 illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the checking account application and storing the electronic document in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the checking account application through a predetermined image obtaining apparatus. In addition, the user interface for inputting (or selecting) the checking account information corresponding to the checking account application is illustrated as being provided from the financial institution server 200, but the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 200 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, the mileage may be determined by a predetermined customer withdrawing the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or with mileage information. Deposit at least one amount, including at least one amount converted into cash, into the checking account, and include at least one of customer information, account property information, linked account information, and mileage information to settle the insufficient amount during the checking and settlement process. After filling out and submitting a checking account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to the checking account corresponding to the checking account application. Deposit the linked account in connection with the linked account set in the opening of the checking account for The user interface for depositing the amount of money withdrawn or depositing at least one amount of the mileage converted into cash in connection with the mileage information, etc. into the checking account, and the user interface for payment of the insufficient amount during the checking exchange payment process. In response to the request (600), in response to the request, the server generates a user interface for acquiring the predetermined image content corresponding to the checking account application prepared by the customer through the predetermined image obtaining apparatus and transmitting it to the server ( Or (605), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (610).

Thereafter, the terminal acquires image content corresponding to the checking account application through the predetermined image obtaining apparatus based on the user interface (615).

If the image content corresponding to the checking account application is obtained through the image acquisition device (620), the terminal transmits the obtained image content to the server through the financial network (625).

Thereafter, the server inputs (or selects) the checking account information including at least one of customer information, account property information, linked account information, and mileage information corresponding to the checking account application that matches the image content, and transmits the checking account information to the server. A user interface for generating (or extracting) a user interface is generated (630), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (635).

Thereafter, the terminal inputs (or selects) checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information through the user interface (640).

If the checking account information including at least one of the customer information, account property information, linked account information, and mileage information is input (or selected) through the user interface (645), the terminal receives the server through the financial network. The input (or selected) checking account information is transmitted (650).

Thereafter, the server receives and reads the checking account information including at least one of the customer information, account property information, linked account information, and mileage information through the financial network to check the validity of the checking account information (655). ).

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 400 on the financial system 115 associated with the checking account opening system It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 in which the customer information (customer personal information, member information, etc.) of the information included in the checking account information is linked to the checking account opening system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the checking account information is not authenticated (660), the server generates predetermined financial account error information and transmits it to the terminal (665), and performs a checking account opening procedure corresponding to the checking account information. I never do that.

On the other hand, if the validity of the checking account information is authenticated (660), the server generates a predetermined checking account electronic document including the image content (670).

According to an embodiment of the present invention, the server establishes a checking account for the checking and checking transaction as it is, the image file including the image content received from the terminal device 120 through the image receiving unit 220. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account, etc., or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and exchange the checking account. It is preferable to treat the insufficient amount as a checking account electronic document for payment.

Alternatively, the server may include customer information, account attribute information, included in the checking account information received through the information receiving unit 215 in the image content received from the terminal device 120 through the image receiving unit 220, Linking the image file corresponding to the image content including at least one or more information of the linked account information and mileage information in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction. Deposit the deposit amount of the account, or the amount that includes at least one or more of the amount of money converted into cash in connection with the mileage information, etc. into the checking account, and the checking account for payment of the insufficient amount during the checking exchange payment process It is desirable to create an account electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 120 through the image receiving unit 220. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a checking account for the checking exchange transaction. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account, etc., or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and exchange the checking account. It is desirable to create a checking account electronic document for payment of the insufficient amount at the time of payment processing.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generating image content including at least one of account information and mileage information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), and setting up a checking account opening process for the checking exchange transaction. The mileage is calculated in connection with the amount of withdrawal of the deposit of the linked account in connection with a linked account or the like. Depositing the exchange amount of gold in the checking account the amount comprising at least one, and it is preferable to generate the electronic document checking account for a payment settlement process when insufficient checking exchange.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 120 through the image receiver 220 and checking account information received through the information receiver 215. 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) By generating a, the amount of withdrawal of the deposit of the linked account in connection with the connection account set up in the establishment of the current account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with the mileage information, etc. Deposit the amount made up of one or more into the checking account, and the amount for the settlement of the checking exchange To create an account electronic documents is desirable.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generate image content including at least one of account information and mileage information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document) including the generated image content and the checking account information. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Link with the amount of withdrawal of the deposit of the linked account or mileage information in connection with the linked account set up in the account opening process W it is preferred that the amount obtained by the amount of exchange the miles to cash that have at least one of said deposit to a checking account, and generate an electronic document checking account for a payment settlement process when insufficient checking exchange.

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

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

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 255 and an electronic document D / B 275 connected to a server on the checking account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated checking account electronic document to the electronic document server 255 through the communication means to store in the electronic document D / B (275).

Alternatively, when the electronic document storage is provided on the DBMS provided in the checking account opening system, the server corresponds to the electronic document storage on the DBMS provided in the checking account opening system. It is possible to store in the electronic document D / B 275, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the checking account electronic document in the electronic document storage is performed by linking the generated checking account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 2. It is preferable to include storing in / B (275).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the checking account 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 checking account electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating a checking account application corresponding to the image content, and / or financial institution information for transmitting the checking account electronic document, and / or electronic). Document file format information, and / or the checking account information).

If the checking account electronic document is stored in the electronic document repository (680), the server generates the financial account information based on the customer information, account property information, linked account information, mileage information included in the checking account information. (685).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system 115 to finance the customer's name including the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. Open account (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the financial account information, and storing the ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the checking account information. Amounts including at least one amount of withdrawal of the deposit of the linked account in connection with a linked account set up in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information, etc. To the checking account, and a predetermined amount of funds for settlement of the amount insufficient for the checking exchange It characterized in that the handle opening the left.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. 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 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates the checking account information including at least one of the customer information, the account attribute information, the connecting account information, and the mileage information included in the checking account information, and stores the checking account information in a predetermined storage medium 405 (695). ).

According to an embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server includes the customer information and the account included in the received checking account information. It is preferable to store the checking account information including at least one of attribute information, connection account information, and mileage information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in the DBMS provided on the financial system 115, the server includes the customer information and account attribute information included in the received checking account information. It is preferable to provide the checking account information including at least one connection account information and mileage information to the information system through the external system on the financial system 115 and store the information in the DBMS provided on the financial system 115.

Thereafter, the server may provide predetermined financial account opening history information (eg, the checking account opening history, and / or the history of storing the checking account electronic document in the electronic document repository, and / or the storage medium 405). Details of storing the checking account information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 400. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 405 is provided on (or associated with) the checking 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 checking account for payment of an insufficient amount during a checking exchange exchange process in connection with a linked account or mileage 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 the terminal device 120 on the checking account opening system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the financial institution server 200 is predetermined. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network, a predetermined customer is linked to a linked account, etc., established during the opening of a checking account for a checking exchange payment transaction. Deposit the deposit amount of the linked account, or an amount including at least one or more of the amount of money converted into cash in connection with the mileage information, etc., into the checking account, and settle the insufficient amount when the checking exchange is processed; Accounts containing at least one customer information, account property information, linked account information, mileage information to open a checking account for The present invention relates to a system configuration in which the financial institution opens a checking account in a face-to-face manner based on the checking account application, and specifically, the customer prepares the checking account application to the counter. When submitting, the counter terminal inputs (or selects) the checking account information corresponding to the checking account application to the financial institution server 200 and transmits the checking account information to the financial institution server 200. Acquiring image content of the financial institution server 200 and transmitting the image content to the financial institution server 200 based on the checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information. The implementation method of opening and processing the checking account is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the current account information to the financial company server 200 at the teller terminal by referring to and / or modifying the drawings 7a and 7b It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the checking account application and storing it in an electronic document storage, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the checking account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) checking account information corresponding to the checking account application is illustrated and described as being provided from the financial institution server 200. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial company server 200 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The customer information, account attribute information, linked account information, and mileage information transmitted to the financial institution server 200 are referred to as "account information" for convenience.

Referring to FIGS. 7A and 7B, the mileage may be determined by a predetermined customer withdrawing the deposit of the linked account or mileage information in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction. Deposit at least one amount, including at least one amount converted into cash, into the checking account, and include at least one of customer information, account property information, linked account information, and mileage information to settle the insufficient amount in the checking and settlement process. After filling out and submitting a checking account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to the checking account corresponding to the checking account application. Example of the linked account in connection with the linked account set in the opening of the checking account for The user interface for depositing the amount of money withdrawn or depositing at least one or more of the amount of the mileage converted into cash in connection with the mileage information, etc. into the checking account, and the user interface for payment of the insufficient amount during the checking exchange payment process. Upon request (700), in response, the server inputs (or selects) checking account information including at least one of customer information, account attribute information, linked account information, and mileage information corresponding to the checking account application prepared by the customer. A user interface for transmitting to the server is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information through the user interface (715).

If the checking account information including at least one of the customer information, account property information, linked account information, and mileage information is input (or selected) through the user interface (720), the terminal receives the server through the financial network. The input (or selected) checking account information is transmitted (725).

Thereafter, the server receives and reads the checking account information including at least one of the customer information, account property information, linked account information, and mileage information through the financial network to check the validity of the checking account information (730). ).

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 400 on the financial system 115 associated with the checking account opening system It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the checking account information is not authenticated (735), the server generates predetermined financial account error information and transmits it to the terminal (740), and performs a checking account opening procedure corresponding to the checking account information. I never do that.

On the other hand, if the validity of the checking account information is authenticated (735), the server acquires the predetermined image content corresponding to the checking account application prepared by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface is generated (or extracted) for the user interface (745), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output (750).

Thereafter, the terminal acquires image content corresponding to the checking account application through a predetermined image obtaining apparatus based on the user interface (755).

If image content corresponding to the checking account application is obtained through the image obtaining apparatus (760), the terminal transmits the obtained image content to the server through the financial network (765).

The server receiving the checking account information and the image content from the terminal generates a predetermined checking account electronic document including the image content (770).

According to an embodiment of the present invention, the server establishes a checking account for the checking and checking transaction as it is, the image file including the image content received from the terminal device 120 through the image receiving unit 220. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account, etc., or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, It is advisable to process the insufficient amount in the payment account electronic document for payment.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. The linked account in connection with an image file corresponding to an image content including at least one of account information and mileage information in a watermarking manner in connection with a linked account set in the opening of a checking account for the checking exchange payment transaction. Deposit the amount of money withdrawn from the deposit, or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and the checking account for settlement of the insufficient amount at the time of the checking exchange payment; It is desirable to create an electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 120 through the image receiving unit 220. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a checking account for the checking exchange transaction. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account set in the account, or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, It is desirable to create a checking account electronic document for payment of the insufficient amount in the exchange settlement process.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generating image content including at least one of account information and mileage information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), and setting up a checking account opening process for the checking exchange transaction. The mileage is calculated in connection with the amount of withdrawal of the deposit of the linked account in connection with a linked account or the like. Depositing the exchange amount of gold in the checking account the amount comprising at least one, and it is preferable to generate the electronic document checking account for a payment settlement process when insufficient checking exchange.

According to another exemplary embodiment of the present invention, the server may be configured to store the image content received from the terminal device 120 through the image receiving unit 220 and the checking account information received through the information receiving unit 215. 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) By generating a), the amount of withdrawal of the deposit of the linked account in connection with the connection account set up in the opening of the checking account for the checking exchange settlement transaction, or the amount of money exchanged in cash in connection with the mileage information, etc. Deposit the amount made up of one or more into the checking account, and the amount for the settlement of the checking exchange To create an account electronic documents is desirable.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generate image content including at least one of account information and mileage information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document) including the generated image content and the checking account information. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Link with the amount of withdrawal of the deposit of the linked account or mileage information in connection with the linked account set up in the account opening process W it is preferred that the amount obtained by the amount of exchange the miles to cash that have at least one of said deposit to a checking account, and generate an electronic document checking account for a payment settlement process when insufficient checking exchange.

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

Thereafter, the server stores the generated checking account electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 255 and an electronic document D / B 275 connected to a server on the checking account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated checking account electronic document to the electronic document server 255 through the communication means to store in the electronic document D / B (275).

Alternatively, when the electronic document storage is provided on the DBMS provided in the checking account opening system, the server corresponds to the electronic document storage on the DBMS provided in the checking account opening system. It is possible to store in the electronic document D / B 275, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the checking account electronic document in the electronic document storage is performed by linking the generated checking account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 2. It is preferable to include storing in / B (275).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the checking account 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 checking account electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating a checking account application corresponding to the image content, and / or financial institution information for transmitting the checking account electronic document, and / or electronic). Document file format information, and / or the checking account information).

If the checking account electronic document is stored in the electronic document storage (780), the server generates the financial account information based on the customer information, account property information, linked account information, mileage information included in the checking account information. (785).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system 115 to finance the customer's name including the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. The account is opened and processed (790).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (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, corresponding to the checking account information. It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. Deposit the amount into the checking account, and make a predetermined amount of funds to settle the insufficient amount during the checking exchange payment process. It is characterized by opening an account.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. 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 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates the checking account information including at least one of the customer information, the account attribute information, the connecting account information, and the mileage information included in the checking account information, and stores the checking account information in a predetermined storage medium 405 (795). ).

According to an embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server includes the customer information and the account included in the received checking account information. It is preferable to store the checking account information including at least one of attribute information, connection account information, and mileage information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in the DBMS provided on the financial system 115, the server includes the customer information and account attribute information included in the received checking account information. It is preferable to provide the checking account information including at least one connection account information and mileage information to the information system through the external system on the financial system 115 and store the information in the DBMS provided on the financial system 115.

Thereafter, the server may provide predetermined financial account opening history information (eg, the checking account opening history, and / or the history of storing the checking account electronic document in the electronic document repository, and / or the storage medium 405). Details of storing the checking account information) are generated (or extracted) and transmitted to the terminal (799).

According to an embodiment of the present invention, the storage medium 405 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system). In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 400. The present invention is not limited thereby.

According to another method of the present invention, the storage medium 405 is provided on (or associated with) the checking 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.

8A and 8B are diagrams illustrating a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which the terminal device 120 on the checking account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the financial institution server 200 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network, a predetermined customer is linked to a linked account, etc., established during the opening of a checking account for a checking exchange payment transaction. Deposit the deposit amount of the linked account, or an amount including at least one or more of the amount of money converted into cash in connection with the mileage information, etc., into the checking account, and settle the insufficient amount when the checking exchange is processed; Accounts containing at least one customer information, account property information, linked account information, mileage information to open a checking account for When the account application is completed and submitted, the financial institution is configured to open a checking account in a face-to-face manner based on the checking account application. Specifically, the customer fills out the checking account application and submits it to the counter. When the counter terminal acquires predetermined image contents corresponding to the checking account application through a predetermined image obtaining apparatus, inputs (or selects) the checking account information corresponding to the checking account application, and then the image contents. And transmitting the checking account information to the financial institution server 200 based on the checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information in the financial institution server 200. The implementation method of opening and processing the checking account is shown.

For those skilled in the art to which the present invention pertains, various implementation methods of registering the checking account information with the financial company server 200 at the window terminal by referring to and / or modifying the drawings 8a and 8b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 8A and 8B.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the checking account application and storing it in an electronic document storage, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method illustrated in FIGS. 8A and 8B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the checking account application through a predetermined image obtaining apparatus. In addition, the user interface for inputting (or selecting) checking account information corresponding to the checking account application is illustrated and described as being provided from the financial institution server 200. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 200, and the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 2 in FIGS. 8A and 8B will be referred to as "terminal" for convenience, and the financial company server 200 shown in FIG. 2 will be referred to as "server" for convenience. The customer information, account attribute information, linked account information, and mileage information transmitted to the financial institution server 200 are referred to as "account information" for convenience.

Referring to FIGS. 8A and 8B, the mileage may be determined by a predetermined customer withdrawing the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or with mileage information. Deposit at least one amount, including at least one amount converted into cash, into the checking account, and include at least one of customer information, account property information, linked account information, and mileage information to settle the insufficient amount during the checking and settlement process. After filling out and submitting a checking account application, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to the checking account corresponding to the checking account application. Deposit the linked account in connection with the linked account set in the opening of the checking account for The user interface for depositing the amount of money withdrawn or depositing at least one or more of the amount of the mileage converted into cash in connection with the mileage information, etc. into the checking account, and the user interface for payment of the insufficient amount during the checking exchange payment process. Upon request (800), in response, the server inputs (or selects) the checking account information corresponding to the checking account application prepared by the customer in the terminal, and corresponds to the checking account application through a predetermined image obtaining apparatus. A user interface for acquiring and transmitting predetermined image content to the server is generated (or extracted) (805), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (810). ).

Thereafter, the terminal inputs (or selects) checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information through the user interface (815).

If the checking account information including at least one of the customer information, account property information, connection account information, and mileage information is input (or selected) through the user interface (820), the terminal is determined based on the user interface. An image content corresponding to the checking account application is obtained through the image obtaining apparatus of the user (825).

If image content corresponding to the checking account application is obtained through the image obtaining apparatus (830), the terminal transmits the checking account information and image content to the server through the financial network (835).

Thereafter, the server receives and reads the checking account information including at least one of the customer information, account property information, linked account information, and mileage information through the financial network to check the validity of the checking account information (840). ).

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 400 on the financial system 115 associated with the checking account opening system It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferably made to include matching with the customer ledger stored in the D / B (400).

If the validity of the checking account information is not authenticated (845), the server generates predetermined financial account error information and transmits it to the terminal (850), and performs a checking account opening procedure corresponding to the checking account information. I never do that.

On the other hand, if the validity of the checking account information is authenticated (845), the server generates a predetermined checking account electronic document including the image content (855).

According to an embodiment of the present invention, the server establishes a checking account for the checking and checking transaction as it is, the image file including the image content received from the terminal device 120 through the image receiving unit 220. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account, etc., or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and exchange the checking account. It is preferable to treat the insufficient amount as a checking account electronic document for payment.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. The linked account in connection with an image file corresponding to an image content including at least one of account information and mileage information in a watermarking manner in connection with a linked account set in the opening of a checking account for the checking exchange payment transaction. Deposit the amount of money withdrawn from the deposit, or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and the checking account for settlement of the insufficient amount at the time of the checking exchange payment; It is desirable to create an electronic document.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 120 through the image receiving unit 220. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a checking account for the checking exchange transaction. Deposit the amount of money withdrawn from the deposit of the linked account in connection with the linked account, etc., or at least one amount converted into cash in connection with the mileage information, etc. into the checking account, and exchange the checking account. It is desirable to create a checking account electronic document for payment of the insufficient amount at the time of payment processing.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generating image content including at least one of account information and mileage information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT), and setting up a checking account opening process for the checking exchange transaction. The mileage is calculated in connection with the amount of withdrawal of the deposit of the linked account in connection with a linked account or the like. Depositing the exchange amount of gold in the checking account the amount comprising at least one, and it is preferable to generate the electronic document checking account for a payment settlement process when insufficient checking exchange.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 120 through the image receiver 220 and checking account information received through the information receiver 215. 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) By generating a), the amount of withdrawal of the deposit of the linked account in connection with the connection account set up in the opening of the checking account for the checking exchange settlement transaction, or the amount of money exchanged in cash in connection with the mileage information, etc. Deposit the amount made up of one or more into the checking account, and the amount for the settlement of the checking exchange To create an account electronic documents is desirable.

Alternatively, the server may include customer information, account attribute information, and connection included in the checking account information received through the information receiving unit 215 on the image content received from the terminal device 120 through the image receiving unit 220. Generate image content including at least one of account information and mileage information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document) including the generated image content and the checking account information. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Link with the amount of withdrawal of the deposit of the linked account or mileage information in connection with the linked account set up in the account opening process W it is preferred that the amount obtained by the amount of exchange the miles to cash that have at least one of said deposit to a checking account, and generate an electronic document checking account for a payment settlement process when insufficient checking exchange.

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

Thereafter, the server stores the generated checking account electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 255 and an electronic document D / B 275 connected to a server on the checking account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated checking account electronic document to the electronic document server 255 through the communication means to store in the electronic document D / B (275).

Alternatively, when the electronic document storage is provided on the DBMS provided in the checking account opening system, the server corresponds to the electronic document storage on the DBMS provided in the checking account opening system. It is possible to store in the electronic document D / B 275, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the checking account electronic document in the electronic document storage is performed by linking the generated checking account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. 2. It is preferable to include storing in / B (275).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the checking account 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 checking account electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for creating a checking account application corresponding to the image content, and / or financial institution information for transmitting the checking account electronic document, and / or electronic). Document file format information, and / or the checking account information).

If the checking account electronic document is stored in the electronic document storage (865), the server is the financial account information based on the customer information, account property information, linked account information, mileage information included in the checking account information. Create 870.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system 115 to finance the customer's name including the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. The account is opened (875).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the financial account information, and storing the ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the checking account information. It may include at least one amount of withdrawal of the deposit of the linked account in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged for cash in connection with the mileage information. The bank deposits an amount into the checking account, and a predetermined financing for the settlement of the insufficient amount during the checking of the checking exchange. It is characterized by opening an account.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. 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 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates the checking account information including at least one of the customer information, the account attribute information, the connecting account information, and the mileage information included in the checking account information, and stores the checking account information in a predetermined storage medium 405 (880). ).

According to an embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server includes the customer information and the account included in the received checking account information. It is preferable to store the checking account information including at least one of attribute information, connection account information, and mileage information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in the DBMS provided on the financial system 115, the server includes the customer information and account attribute information included in the received checking account information. It is preferable to provide the checking account information including at least one connection account information and mileage information to the information system through the external system on the financial system 115 and store the information in the DBMS provided on the financial system 115.

Thereafter, the server may provide predetermined financial account opening history information (eg, the checking account opening history, and / or the history of storing the checking account electronic document in the electronic document repository, and / or the storage medium 405). Details of storing the checking account information) are generated (or extracted) and transmitted to the terminal (885).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 400. Thereby, the present invention is not limited.

According to another method of the present invention, the storage medium 405 is provided on (or associated with) the checking 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.

FIG. 9 is a diagram illustrating a non-face-to-face checking account opening system for settlement of an insufficient amount at the time of a checking exchange payment in connection with a linked account or mileage according to another embodiment of the present invention.

In more detail, FIG. 9 shows that when a predetermined customer provides the checking account information including at least one of predetermined customer information, account attribute information, linked account information, and mileage information through a predetermined financial account opening interface, The mileage in connection with the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction based on the checking account information by the financial institution; Deposit the amount of money that includes at least one amount converted into cash into the checking account, open a checking account for settlement of the insufficient amount during the checking and processing of the checking account, and check the checking account information for managing the checking account. As a system configuration for storing in a predetermined storage medium 980, the present invention For those skilled in the art, the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking and settlement of the current account by referring and / or modifying the drawing 9, Or depositing an amount of money including at least one amount of the mileage converted into cash in connection with mileage information, etc. to the checking account, and executing a checking account opening system for settlement of the insufficient amount during the checking of the checking exchange. 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 FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may configure a checking account opening system by omitting an implementation method of storing the checking account electronic document in the electronic document storage by referring to and / or modifying the drawing 9. It can be inferred, and also in the case where the checking account electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 9, the electronic document storage is provided in a DBMS located in the checking account opening system. 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 FIG.

In addition, according to the implementation method shown in FIG. 9, the present checking account electronic document is illustrated as being generated on the server side on the checking account opening system, but the present invention is not limited thereto. The account electronic document may be generated at the terminal that inputs (or selects) the checking account information (for example, the electronic document generating function provided at the server side is provided at the terminal to generate the checking account electronic document). The present invention is not limited thereto.

Hereinafter, the user is provided with the checking account information through the predetermined financial account opening interface on the checking account opening system shown in FIG. 9 so that the customer opens the checking account, and corresponds to the predetermined checking account electronic. Components corresponding to at least one or more means and / or functional configurations for generating documents and storing them in a predetermined electronic document repository are referred to as " financial company server 900 " for convenience.

Referring to this figure 9 according to the embodiment of the present invention, in connection with the connection account and the like set in the opening of the checking account for the checking exchange settlement transaction, the amount withdrawn the deposit of the connection account, or in connection with the mileage information A system for opening a checking account for depositing an amount of money including at least one amount of mileage converted into cash into the checking account and paying an insufficient amount during the checking and processing of a checking exchange includes a wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 120 including at least one or more, including at least one or more client terminal, the terminal device 120 is provided on the checking account opening system through a predetermined network means The communication company server 900 and the communication channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 900 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, Through the at least one user interface provided by the financial institution server 900, in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, in connection with the amount of withdrawal of the deposit of the linked account, or mileage information When depositing an amount including at least one or more amounts of the mileage converted into cash to the checking account, and inputs (or selects) the checking account information for payment for the insufficient amount during the checking exchange payment process, the client terminal When opening the checking account through a predetermined network means It is preferable to transfer to the financial company server 900 provided on the system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 120 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 120 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 120 connected to an x-based mobile Internet and / or all terminal devices 120 connected to an IEEE 802.11x-based wireless LAN, 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.

Further, the financial institution server 900 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.

The network means for connecting the client terminal and the financial institution server 900 may be a CDMA based (and / or HSDPA based) mobile communication network and / or an IEEE 802.16x based portable device according to a wireless communication network type to which the client terminal is connected. It is preferable that any one of the 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.

The client terminal may output at least one user interface provided by the financial institution server 900, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 900. 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 900, 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 checking account opening system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 900. And / or the wireless communication network converts the mileage into cash in connection with the amount of withdrawal of the deposit of the linked account in connection with a connection account set in the opening of a checking account for the checking exchange settlement transaction, or with mileage information. A deposit account comprising at least one amount of money is deposited into the checking account, and performs a function of a financial account opening interface for registering the checking account information for payment of the insufficient amount during the checking of the checking exchange.

According to another exemplary embodiment of the present invention, the terminal device 120, in addition to the client terminal, an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( 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 above checking account opening system, when the terminal device 120 is the financial automatic device (not shown), the financial automated device (not shown), the financial automatic device (not shown), and the financial company server The financial network linking the 900 connects the mileage in connection with the amount of withdrawal of the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or with the mileage information. Performing a function of a financial account opening interface for depositing an amount of money including at least one amount converted into cash into the checking account, registering a checking account information for settlement of an amount insufficient in the checking and processing of a checking exchange; and / Or when the terminal device 120 is the call terminal (not shown), the call terminal (not shown) and the call terminal (Not shown) and a wired telephone network and / or a wireless telephone network connecting the financial company server 900 may deposit a deposit of the linked account in connection with a connection account set by the customer in the opening of a checking account for the checking exchange settlement transaction. Deposit the amount of money, including at least one or more of the amount of money converted into cash, in connection with the amount withdrawn or mileage information, etc. into the checking account, and register the checking account information to settle the insufficient amount during the checking exchange payment process. And a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 120, and / or the terminal (and not shown). And / or a server (not shown) and the network connecting the terminal (and / or server) (not shown) and the financial institution server 900 are different from each other. Amounts including at least one amount of withdrawal of the deposit of the linked account in connection with a linked account set up in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information, etc. And deposits the checking account, and performs a function of a financial account opening interface for registering the checking account information for payment of the insufficient amount during the checking exchange payment processing.

The storage medium 980 provided on the checking account opening system according to the present invention includes the customer information, account attribute information, connection account information, and mileage information included in the checking account information provided from the terminal device 120. And storing the checking account information including at least one.

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

According to one embodiment of the invention, the storage medium 980 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 980 may be a ledger D / B 975 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 980 is provided on (or associated with) the checking 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 900 provided on the checking account opening system according to the present invention is a generic term for the checking account opening system side component connected to the terminal device 120 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 120 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 900 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system 115 through the Internet banking system. A foreign system on the financial system 115 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 115, thereby the present invention It shall not be limited.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 900 may be configured on 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 115 through the wireless banking system. A server provided in the external system on the financial system 115 accessible to 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 115, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 900 may be configured on the telebanking system. Is 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 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 115, and / or a program provided in the external system on the financial system 115, whereby the present invention is not limited. Should you.

According to another exemplary embodiment of the present invention, when the terminal device 120 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 900 may include the TV. A predetermined TV banking server provided on a banking 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 115 through the TV banking system. (Or device), a program included in the server (or device), and / or to the external system on the financial system 115 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 115, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 900 may include an interface unit 905 for connecting and managing a predetermined communication channel with the terminal device 120 through the network means.

According to an embodiment of the present invention, when the terminal device 120 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 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 905 connects a communication channel with the client terminal based on the TCP / IP protocol, By using the HTTP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 900, the interface unit 905 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 120 is a financial automation device connected to a predetermined financial network, the interface unit 905 may be configured 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 120 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 implements a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 900, the interface unit 905 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 120 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 905 may include the wired telephone network and / or wireless. It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 905 may include 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. 9, when the predetermined terminal device 120 connects a predetermined communication channel with the financial institution server 900 through the interface unit 905, the banking exchange settlement transaction may be performed. For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. At least one user interface for inputting (or selecting) predetermined checking account information in the terminal device 120 to make a payment for a lacking amount in a checking exchange payment processing, and transmitting it to the financial institution server 900. The terminal generates the generated (or extracted) user interface in conjunction with the interface unit 905. When the interface providing unit 100 provided to the device 120 and the terminal device 120 inputs (or selects) the checking account information through the user interface and transmit the same, the interface unit 905 And an information receiving unit 910 for receiving the checking account information transmitted from the terminal device 120.

The interface provider 100 connects a predetermined communication channel with the financial institution server 900 through the interface unit 905 and then connects the checking account to the financial institution server 900. For the transaction, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. When depositing into the account and requesting a user interface for payment of the insufficient amount during the checking exchange payment process, the terminal 120 inputs (or selects) predetermined checking account information through the network means to the financial company server. Create at least one user interface for transmission to 900, and / or a predetermined database (FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 905 to the terminal device 120 through the network means.

According to an embodiment of the present invention, when the terminal device 120 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 100 includes a browser program provided in the client terminal and / 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 905.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a financial automation device connected to a predetermined financial network, the interface providing unit 100 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 905.

According to another embodiment of the present invention, when the terminal device 120 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 100 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 905.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 100 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 905 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 120 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 100 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 905.

According to another exemplary embodiment of the present invention, the terminal apparatus 120 includes at least one user interface for inputting (or selecting) predetermined checking account information to the financial institution server 900 through the network means. When a predetermined information registration program is provided, the terminal apparatus 120 generates (or extracts) a user interface for inputting (or selecting) predetermined checking account information and transmitting the predetermined checking account information to the financial institution server 900 as described above. The interface providing unit 100 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 120 inputs (or selects) checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information through the user interface, and inputs (or selects) the account information. The current account information is transmitted to the financial institution server 900 through the network means. In response thereto, the information receiving unit 910 is transmitted from the terminal device 120 in association with the interface unit 905. Receiving the checking account information.

According to an embodiment of the present invention, the terminal device 120 includes the customer account information, the account property information, the connection account information, and the account information including at least one or more account information in the financial institution server 900 in the checking account information. 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 financial institution server through the network means. It is desirable to transmit to 900.

According to an exemplary embodiment of the present invention, the terminal device 120 may include at least one encryption method (eg, based on a symmetric key) for checking account information including at least one of the customer information, account attribute information, connection account information, and mileage 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.) and / or attach a predetermined electronic signature to the checking account information. Preferably, the terminal 120 is provided with at least one encryption key corresponding to the encryption method, and / or at least one encryption key is transmitted to the financial institution server 900 through the network means. If a predetermined official certificate including a, and / or the official certificate is provided on a predetermined IC chip (or IC card) It is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

Those skilled in the art will be familiar with the technical features of various encryption methods for encrypting the checking account information, and the technical features of attaching a predetermined electronic signature to the checking account information. Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 9, when the financial account server 900 receives the checking account information transmitted from the terminal device 120 through the information receiving unit 910, the received checking account information is transferred to the checking account. For the transaction, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. It is characterized in that it comprises a validity confirming unit 915 for depositing in the account, and checking whether the insufficient amount during the checking exchange payment process satisfies the validity for payment.

According to an embodiment of the present invention, the checking account 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 exchange). When encrypted with a based encryption method, the validity check unit 915 at least one decryption method (eg, symmetric key based decryption method, and / or public key) corresponding to the encrypted checking account information 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 checking account information.

Alternatively, when a predetermined electronic signature is attached to the checking account information, the validity checking unit 915 verifies the validity of the received checking account information by checking the electronic signature attached to the checking account information. desirable.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted checking account information and the technical features for confirming the electronic signature attached to the checking account information. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the checking account information received through the information receiving unit 910 further includes a predetermined password for checking the validity of the checking account information, the validity checking unit 915 It is preferable to authenticate the validity of the received checking account information by comparing and authenticating a password included in the checking account information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes predetermined security card information for checking the validity of the checking account information, the validity checking unit 915 may include the checking account. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the checking account information, the validity checking unit 915 may include the checking account information. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating an OTP code included in the received OTP code based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 975 on the financial system 115 associated with the checking account opening system. It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferable to include a check that matches the customer ledger stored in the D / B (975).

Referring to FIG. 9, when the validity of the checking account information is authenticated through the validity checking unit 915, the financial institution server 900 generates a predetermined checking account electronic document including the received checking account information. The electronic document generation unit 920, and the electronic document transmission unit 925 for transmitting the generated checking account electronic document to the electronic document storage associated with the checking account opening system.

The electronic document generation unit 920 generates a checking account electronic document including the checking account information received from the terminal device 120 through the information receiving unit 910.

According to an exemplary embodiment of the present invention, the electronic document generator 920 includes at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including MHT) in connection with a linked account set up in the opening of a checking account for the checking exchange settlement transaction, etc., the amount withdrawn the deposit of the linked account, or the mileage information in connection with mileage information, etc. Deposit the amount of money, including at least one amount converted into cash, into the checking account, To handle the amount lacking during a checking account electronic documents for payments is desirable.

Alternatively, the electronic document generator 920 may include document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. After generating, and including at least one or more information of the customer information, account attribute information, linked account information, mileage information included in the checking account information in the document content in a watermarking method, the document containing the watermarking Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Withdraw the deposit of the linked account in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction; In connection with the mileage information, it is preferable to deposit an amount of money including at least one amount of money converted into cash to the checking account, and to process the checking account electronic document for the settlement of the insufficient amount during the checking exchange payment process Do.

Alternatively, the electronic document generator 920 generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. And setting an image file including the captured image contents (eg, the image contents generated by capturing the document contents in a memory) during the opening of the checking account for the checking exchange payment transaction. Deposit the deposit amount of the linked account in connection with an account or the like, or an amount including at least one or more of the amount of money converted into cash in connection with mileage information, etc., into the checking account, and insufficient for the checking of the checking exchange. It is desirable to treat the amount as a checking account electronic document for payment.

Alternatively, the electronic document generator 920 generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. And the customer information, account attribute information, linked account information, and mileage information included in the checking account information in the image content (eg, the image content generated by capturing the document content in the memory) which captured the document content. After including at least one of the information in the watermarking (Watermarking) method, the image file containing the image content including the watermarking in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction Convert the mileage into cash in connection with the amount withdrawn from the deposit of the consolidated account or mileage information, etc. Depositing an amount of money in the checking account the amount comprising at least one, and preferably treated with a checking account and the electronic document for a payment settlement process when insufficient checking exchange.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 may include at least customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). A Document 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 MHT). In connection with the linked account set in the opening of the checking account, the amount withdrawn from the deposit of the linked account, or the mileage information It is preferable to deposit an amount including at least one or more amounts of money converted into cash into the checking account, and process the insufficient amount by the checking account electronic document for settlement.

Alternatively, the electronic document generator 920 generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. And the customer information, account attribute information, linked account information, and mileage information included in the checking account information in the image content (eg, the image content generated by capturing the document content in the memory) which captured the document content. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, or a word processor file including at least one HWP / DOC, or a web document file including MHT) At least one of the amount to withdraw the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. It is preferable to deposit the amount including the above into the checking account, and to treat the amount insufficient in the checking and settlement process as a checking account electronic document for settlement.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 may include customer information, account attribute information, connection account information, and mileage information included in the checking account information received through the information receiving unit 910. A predetermined document file including document content including at least one document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the checking account information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Amount, or mile, withdrawn from the deposit of the linked account in connection with the linked account established during the opening of the checking account for the checking exchange settlement transaction It is preferable to deposit an amount of money including at least one amount of cash for converting the mileage into cash in connection with a designated report, and to treat the checking account with the checking account electronic document for settlement. .

Alternatively, the electronic document generator 920 generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received through the information receiving unit 910. And the customer information, account attribute information, linked account information, and mileage information included in the checking account information in the image content (eg, the image content generated by capturing the document content in the memory) which captured the document content. Generating image content including at least one or more of the information by a watermarking method, the document file including the watermarking image content and the checking account information (for example, a PDF (Portable Document Format) file, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or MHT. By generating a web document file, etc.), the amount of money withdrawn from the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction, or the mileage information in cash It is preferable to deposit an amount including at least one exchanged amount into the checking account, and process the insufficient amount in the checking and settlement process as a checking account electronic document for settlement.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 920 the technical features of generating a current account electronic document of the image file format and / or a predetermined document file format, and the current account Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 925 transmits and stores the checking account electronic document generated by the electronic document generating unit 920 to a predetermined electronic document repository associated with the checking account opening system.

As shown in FIG. 9, a predetermined electronic document server 945 and an electronic document D / B 965 in which the electronic document storage is linked with a financial company server 900 on the checking account opening system through predetermined communication means. When provided externally, the electronic document transmission unit 925 transmits the checking account electronic document generated by the electronic document generation unit 920 to the electronic document server 945 through the communication means. Characterized in that.

Here, when the electronic document server 945 and the electronic document D / B 965 are provided outside the checking account opening system, the electronic document server 945 and the electronic document D / B 965 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 checking account opening system, the electronic document transmitting unit 925 is generated by the electronic document generating unit 920. It is possible to store the checking account electronic document in the electronic document D / B 965 corresponding to the electronic document storage on the DBMS provided in the checking account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 925 inputs (selects) the current account information (for example, the checking account information) for generating predetermined electronic document management information in the electronic document server 945. ), And / or financial institution information for transmitting the checking account electronic document, and / or electronic document file format information, and / or the checking account information, etc.) to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 9, the financial institution server 900 sets the checking account information received through the information receiving unit 910 in the checking account opening process for the checking exchange payment transaction through the validity checking unit 915. When depositing the deposit amount of the linked account in connection with a consolidation account or the like, or depositing at least one or more amounts of money converted into cash in connection with mileage information, etc. to the checking account, When the validity for payment for the insufficient amount is authenticated, the information generating unit for generating the financial account information based on the customer information, account attribute information, linked account information, mileage information included in the checking account information of the validity ( 930, and an account opening unit 935 for opening and processing a financial account of the customer's name including the financial account information. Characterized in that made.

When the validity of the checking account information is confirmed by the validity checking unit 915, the information generating unit 930 is based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. It characterized in that for generating the financial account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

The account opening unit 935 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (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, thereby responsive to the checking account information. For the transaction, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. Deposit into the account and open a predetermined financial account to settle the amount insufficient for the checking exchange. And that is characterized.

According to an embodiment of the present invention, when the financial institution server 900 and the financial system 115 exist in the same system, the account opening unit 935 may be linked with the financial system 115 in a ledger D / B. In 975, 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 900 and the financial system 115 exist on another system connected through a predetermined communication means, the account opening unit 935 may use predetermined communication means. It is preferable to request the ledger D / B 975 on the other financial system 115 to generate a predetermined account ledger including the financial account information through an external system on the financial system 115.

Referring to FIG. 9, the financial institution server 900 sets the checking account information received through the information receiving unit 910 in the checking account opening process for the checking exchange payment transaction through the validity checking unit 915. When depositing the deposit amount of the linked account in connection with a consolidation account or the like, or depositing at least one or more amounts of money converted into cash in connection with mileage information, etc. to the checking account, When the validity for payment of the insufficient amount is authenticated, the storage medium includes the account information including at least one of the customer information, account attribute information, linked account information, and mileage information included in the validated checking account information. And an information storage unit 940 for storing in 980.

When the validity of the checking account information is confirmed by the validity confirming unit 915, the information storage unit 940 stores the customer information, the account attribute information, the connection account information, and the mileage information included in the checking account information. And storing the checking account information including at least one in the storage medium 980.

According to an exemplary embodiment of the present invention, when the storage medium 980 is provided in the financial institution server 900 or on the network connected to the financial institution server 900, the information storage unit 940 may be configured as the storage medium 980. Preferably, the storage medium 980 stores the checking account information including at least one of the customer information, the account attribute information, the linked account information, and the mileage information included in the received checking account information.

According to another embodiment of the present invention, when the storage medium 980 is provided in the DBMS provided on the financial system 115, the information storage unit 940 is the customer included in the received checking account information. Providing the account information including at least one information, account attribute information, linked account information, and mileage information as an information system through an external system on the financial system 115 to store in a DBMS provided on the financial system 115. It is preferable.

9, an electronic document server that receives a predetermined checking account electronic document from the financial institution server 900 provided on the checking account opening system and stores and manages the predetermined checking account electronic document D / B 965 ( An electronic document receiving unit 950 for receiving a predetermined checking account electronic document from the financial institution server 900 through a predetermined communication means, and the received checking account electronic document may be transferred to the electronic document D / B 965. Information generating unit 955 for generating predetermined electronic document management information for storage and management, and the electronic document management information and the checking account electronic document in a predetermined electronic document D / B 965. It is characterized by comprising an electronic document storage unit 960 for storing.

The electronic document receiving unit 950 may receive a checking account electronic document in the form of an image file and / or a document file from the financial institution server 900 through the communication means.

According to an embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 950 through the communication means is included in the checking account information received by the financial institution server 900 from the terminal device 120. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the checking account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account attribute information included in the checking account information received by the financial institution server 900 from the terminal device 120. Watermarking method including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information in document content including at least one connection account information and mileage information. Then, a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing the document content including the watermarking, Or a web document file including the MHT).

Alternatively, the checking account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account attribute information included in the checking account information received by the financial institution server 900 from the terminal device 120. And an image file including image content (eg, image content generated by capturing the document content in a memory) which captures document content including at least one connection account information and mileage information. Do.

Alternatively, the checking account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account attribute information included in the checking account information received by the financial institution server 900 from the terminal device 120. Customer information included in the checking account information in image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one connection account information and mileage information; After at least one of account attribute information, linked account information, and mileage information is included in a watermarking method, it is preferable to include an image file including image content including the watermarking.

According to another exemplary embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 950 through the communication means is included in the checking account information received by the financial institution server 900 from the terminal device 120. Image content (e.g., image content generated by capturing the document content in the memory) which captures document content including at least one of customer information, account attribute information, linked account information, and mileage 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) It is preferable to comprise.

Alternatively, the checking account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account attribute information included in the checking account information received by the financial institution server 900 from the terminal device 120. Customer information included in the checking account information in image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one connection account information and mileage information; Create image content including at least one or more of account attribute information, linked account information, and mileage information by a watermarking method, and a document file (eg, PDF (Portable) including the image content including the watermarking method. A word processor including at least one document format (EDI) file, an electronic data interchange (EDI) file, or an HWP / DOC file. It is preferred which comprises a web page file, and so on) containing the file, or MHT.

According to another exemplary embodiment of the present invention, the checking account electronic document received by the electronic document receiving unit 950 through the communication means is the checking account information received by the financial institution server 900 from the terminal device 120. Image content (eg, image content generated by capturing the document content in memory) and the document content including document information including at least one of customer information, account attribute information, linked account information, and mileage information included in the A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing a checking account information, or an MHT Web document files, etc.).

Alternatively, the checking account electronic document received by the electronic document receiving unit 950 through the communication means may include customer information and account attribute information included in the checking account information received by the financial institution server 900 from the terminal device 120. Customer information included in the checking account information in image content (e.g., image content generated by capturing the document content in memory) including captured document content including at least one connection account information and mileage information; A document file including at least one of account property information, linked account information, and mileage information by watermarking, generating image content including the watermarking image content and the checking account information ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like. It comprises a web page file, and so on) by including the word processor file, or MHT that is preferred.

The information generating unit 955 is a predetermined electronic document unique number (or unique information) to be assigned to the checking account electronic document received through the electronic document receiving unit 950 and the checking account through the electronic document receiving unit 950. And generating electronic document management information including electronic document storage date and time information including a date and time at which an electronic account document is received (or a date and time at which the checking account electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 955 refers to the checking account electronic document by referring to the financial institution server 900 that transmits the checking account electronic document received through the electronic document receiving unit 950. It is preferable to identify the financial institution that has been transmitted and to 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 900 through the electronic document receiving unit 950, the information generating unit 955 may receive the received electronic document. Document related information (e.g., customer information transmitted by inputting (selecting) the checking account information, and / or financial institution information transmitting the checking account electronic document, and / or electronic document file format information, and / or the checking account) It is preferable to generate electronic document management information further including account information).

The electronic document storage unit 960 associates a checking account electronic document received through the electronic document receiving unit 950 with electronic document management information generated through the information generating unit 955 to process a predetermined electronic document D /. And to store in B965.

According to the exemplary embodiment of the present invention, the bank account electronic document stored in the electronic document storage unit 960 in the electronic document D / B 965 is the financial company server 900 from the terminal device 120. A document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic Data) including document content including at least one or more of customer information, account attribute information, linked account information, and mileage information included in the received checking account information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the checking account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the checking account information received by the financial institution server 900 from the terminal device 120. Watermarking at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information in document content including at least one of customer information, account attribute information, linked account information, and mileage information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the current account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the current account information received by the financial institution server 900 from the terminal device 120. An image including image content (e.g., image content generated by capturing the document content in a memory) that captures document content including at least one of customer information, account attribute information, linked account information, and mileage information. It is preferable to include a file.

Alternatively, the checking account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the checking account information received by the financial institution server 900 from the terminal device 120. The checking account information in image content (eg, image content generated by capturing the document content in memory) by capturing document content including at least one of customer information, account attribute information, linked account information, and mileage information. After including at least one or more information of the customer information, account property information, linked account information, mileage information included in the watermarking method (Watermarking), and comprises an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, the bank account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is provided by the financial institution server 900 from the terminal device 120. Image content (e.g., generated by capturing the document content in memory by capturing document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account 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 checking account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the checking account information received by the financial institution server 900 from the terminal device 120. The checking account information in image content (eg, image content generated by capturing the document content in memory) by capturing document content including at least one of customer information, account attribute information, linked account information, and mileage information. A document file including image information including at least one of customer information, account attribute information, linked account information, and mileage information included in a watermarking method, and including the watermarking. For example, a word processor including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. Book file, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial institution server 900 stores the checking account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960. Image content that captures document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information received from the account (eg, generated by capturing the document content in memory. A word file including at least one document content (e.g., one image content) and a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) including the checking account information. , Or a web document file including MHT).

Alternatively, the checking account electronic document stored in the electronic document D / B 965 by the electronic document storage unit 960 is included in the checking account information received by the financial institution server 900 from the terminal device 120. The checking account information in image content (eg, image content generated by capturing the document content in memory) by capturing document content including at least one of customer information, account attribute information, linked account information, and mileage information. Generate image content including at least one or more of the customer information, account attribute information, linked account information, and mileage information included in the watermarking method, and the image content and the checking account information including the watermarking. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Preferably includes a word processor file or a web document file including an MHT.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 965 by the electronic document storage unit 960 in association with the checking account electronic document is stored in the checking account electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned 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 965 by the electronic document storage unit 960 in association with the checking account electronic document is stored in the checking account electronic document. It is preferable that the financial institution server 900, which has been transmitted, further includes information on the financial institution that has transmitted the checking account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 900, the electronic document storage unit 960 processes the electronic document by linking with the checking account electronic document. The electronic document management information stored in the D / B 965 transmits the received electronic document related information (eg, the customer information transmitted by inputting (selecting) the checking account information and / or the checking account electronic document). Financial institution information, and / or electronic document file format information, and / or the checking account information).

FIG. 10 is a view showing an implementation method in which a storage medium 980 for storing a checking account information corresponding to a checking account opened in a non-face-to-face manner is provided in a DBMS on a financial system 115 according to an embodiment of the present invention. to be.

In more detail, in FIG. 10, the storage medium 980 illustrated in FIG. 9 is the ledger D / B 1000 provided in the DBMS on the financial system 115 or the ledger D / B 1000. In this case, the information structure for one embodiment of the method of storing the checking account information in the ledger information provided in the ledger D / B (1000), if the person of ordinary skill in the art Although it is possible to infer various information construction methods for storing the checking account information in the ledger D / B 1000 by referring to and / or modifying the drawing 10, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1000) provided in the DBMS on the financial system 115 is linked to a predetermined customer ledger, and the customer ledger The account ledger corresponding to the financial account opened through the checking account opening system shown in FIG. 9 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B (1000) provided in the DBMS on the financial system 115 has 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 you will be familiar with the details, 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, area 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 form, and corresponds to the financial account, the 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, unbooked transactions It includes at least one or more interest rate account accounts, 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), Periodic receipt information including at least one period (days), period extension, maturity date, and target amount, and / or at least one of an account number, a deposit amount, par value, pension date, and 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.

According to an exemplary embodiment of the present invention, the storage medium 980 is the ledger D / B 1000 or the present invention including the implementation method provided in the ledger D / B 1000. Additional information added to the account ledger with the checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information included in the checking account information provided through the checking account opening system shown in FIG. It is characterized in that it is stored in the form.

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The consolidated account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction, the deposit to the checking account by the predetermined customer for payment of the insufficient amount during the processing of the checking exchange It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

According to another embodiment of the present invention, the checking account 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 (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

11 illustrates a ledger D / B having a storage medium 1105 for storing a checking account information corresponding to a checking account opened in a non-face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 115; FIG. 1 illustrates an implementation method including a database associated with 1100.

More specifically, FIG. 11 illustrates an embodiment in which the storage medium 1105 illustrated in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in the DBMS on the financial system 115. As shown in FIG. 11, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 11 to display the checking account information in a predetermined database in the ledger D / B 1100. It will be able to infer a variety of information configuration method for storing 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.

Particularly, in FIG. 11, when it is not easy to store the checking account information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system 115 (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B 1100 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 115), the checking account in a predetermined database instead of the ledger D / B 1100. The embodiment of the present invention stores information and stores the information by linking the database and the ledger D / B 1100.

In addition, the database shown in FIG. 11 does not have to be provided on a DBMS provided on the financial system 115 as in the embodiment shown in FIG. 11, 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. 11, in which the storage medium 1105 includes a database associated with the ledger D / B 1100 provided in the DBMS on the financial system 115 according to another embodiment of the present invention, the database is And storing the checking account information including at least one of the customer information, the account property information, the linked account information, and the mileage information included in the checking account information, wherein the checking account information is the ledger D / B (1100). It is preferable that the CIF number corresponding to the ledger information is further included in the checking account information in order to be processed in association with).

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

12 is a method for implementing a storage medium 1105 for storing a checking account information corresponding to a checking account opened in a non-face-to-face manner according to another embodiment of the present invention, including a DBMS provided in the banking server 1200. Figure is a diagram.

In more detail, FIG. 12 illustrates a predetermined banking system in which the storage medium 1105 shown in FIG. 9 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 1200, those skilled in the art to which the present invention pertains, at least one banking server (see FIG. Although it is possible to infer a method of constructing information about checking account information stored in a predetermined DBMS provided at 1200, the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 1105 includes a DBMS provided in the banking server 1200, a predetermined DBMS provided in the banking server 1200 may include: And storing the checking account information including at least one of the customer information, the account attribute information, the connection account information, and the mileage information included in the checking account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information preferably includes at least one checking check connection information associated with the checking check and the checking account information for a predetermined checking check settlement issued by a predetermined customer.

Preferably, the checking account information includes at least one or more of a limit amount for a predetermined checking transaction, the presence or absence of an automatic loan, and the account holder information of the checking account.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

* The mileage information is exchanged for cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount when processing the checking exchange. For this purpose, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

13A and 13B are diagrams illustrating a process of opening a checking account for payment of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 13A and 13B show that the terminal device 120 on the checking account opening system shown in FIG. 9 is a client terminal, and the financial institution server 900 can access the client terminal through a predetermined network means. In the case of having a web server function, the mileage in connection with the amount of withdrawal of the deposit of the linked account in connection with the connection account set in the opening of the checking account for a checking exchange settlement transaction, or the mileage information, etc. The customer information, account attribute information through the client terminal to deposit an amount of money including at least one amount converted into cash to the checking account, and to open a checking account for payment of the insufficient amount during the checking exchange payment process Checking account information including at least one connection account information and mileage information. In other words, the connection established in the checking account opening process for the checking exchange payment transaction based on the checking account information including at least one of the customer information, account attribute information, linked account information, mileage information in the checking account opening system. When depositing the deposit amount of the linked account in connection with an account or the like, or depositing at least one or more of the amount converted into cash in connection with the mileage information, etc. into the checking account, The present invention relates to an implementation method of opening and processing the checking account for the insufficient amount, and those skilled in the art to which the present invention pertains may refer to and / or modify the client's terminal with reference to FIGS. 13a and 13b. Various rooms for registering the checking account information with the financial institution server (900) The method may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 13A and 13B.

For example, although the embodiment shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the checking account information and storing the electronic document in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

13A and 13B illustrate that the client terminal receives a user interface for inputting (or selecting) the checking account information through a predetermined web page provided by the financial institution server 900. Although illustrated and described, if a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 900, and the present invention is not limited thereto.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the financial institution server 900 illustrated in FIG. 9 is referred to as a “server” for convenience. The customer information, account attribute information, linked account information, and mileage information transmitted to the financial institution server 900 are referred to as "current account information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 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 portable Internet, and / or an IEEE 802.11x-based wireless LAN, to connect a predetermined communication channel, The amount that includes at least one amount of withdrawal of the deposit of the linked account in connection with the linked account set up in the opening of the checking account for exchange settlement transaction, or at least one amount converted into cash in connection with the mileage information, etc. A web including a user interface for depositing the checking account and paying the insufficient amount at the time of checking the checking exchange; When requesting easy (1300), in response to the server inputs (or selects) the checking account information including at least one or more of the customer information, account attribute information, linked account information, mileage information to transmit to the server A web page including a user interface is generated (or extracted) (1305), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1310).

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 checking account information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) checking account information including at least one or more customer information, account attribute information, connection account information, and mileage information through the user interface included in the web page (1315).

If the terminal receives (or selects) checking account information including the customer information, account attribute information, connection account information, and mileage information through the user interface (1320), the terminal receives the input through the communication channel. The customer information, the account attribute information, the linked account information, and the mileage information are transmitted to the server (1325).

According to an embodiment of the present invention, the terminal is predetermined for checking the validity of the checking account information in the server to the checking account information including at least one of the customer information, account attribute information, linked account information, mileage information. It is preferable to further include at least one or more of the password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, etc.), and / or attach a predetermined electronic signature to the checking account information. It is preferable to transmit to the server through, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or the IC certificate (or IC card) when the certificate is provided on a predetermined IC chip (or IC card) It is preferable that a card reader for confirming the provided public certificate is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) is preferably transmitted to the server via the network means, for this purpose, Have at least one encryption key corresponding to the encryption scheme, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate is a predetermined IC chip (or IC card) When provided with, the card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferred.

Those skilled in the art will be familiar with the technical features of various encryption methods for encrypting the checking account information, and the technical features of attaching a predetermined electronic signature to the checking account information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server checks the validity of the checking account information by receiving and reading the customer information, account attribute information, connection account information, and mileage information through the communication channel (1330).

According to an embodiment of the present invention, the checking account 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 exchange). When encrypted with the based encryption method, the server at least one decryption method (for example, symmetric key based decryption method and / or public key based decryption method) corresponding to the encrypted checking account information; / Or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received checking account information.

Alternatively, when a predetermined electronic signature is attached to the checking account information, the server verifies the validity of the received checking account information by checking the electronic signature attached to the checking account information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted checking account information and the technical features for confirming the electronic signature attached to the checking account information. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the checking account information received through the information receiving unit 910 further includes a predetermined password for checking the validity of the checking account information, the server may include the checking account information. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes predetermined security card information for checking the validity of the checking account information, the server is included in the checking account information to receive the checking account. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the checking account information, the server is included in the checking account information and received. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 975 on the financial system 115 associated with the checking account opening system. It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferably made to include matching with the customer ledger stored in the D / B (975).

If the validity of the checking account information is not authenticated (1335), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340), and does not perform the opening of the checking account. Do not.

On the other hand, if the validity of the checking account information is authenticated (1335), the server generates a predetermined document content including at least one or more customer information, account property information, linked account information, mileage information including the checking account information In operation 1345, a predetermined checking account electronic document including the document content is generated in operation 1350.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and generates the document content. A 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 HWP / DOC, or a web document file including an MHT). It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. Deposit the amount into the checking account and check the checking account for the insufficient amount. It is preferred to handle electronically.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and the document content is included in the checking account information. After including at least one of the customer information, account attribute information, linked account information, mileage information in a watermarking method, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking; File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT, etc.). The amount of withdrawal of the deposit of the linked account in connection with the set up connection account or the like, or the mileage information, etc. To deposit an amount of cash to exchange a ridge in the checking account an amount comprising at least one, and the process by the checking account electronic document for a payment settlement process when insufficient checking exchange is preferred.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. Amount of withdrawal of the deposit of the linked account in connection with an image file including (e.g., image content generated by capturing the document content in a memory) in connection with a linked account set in the opening of a checking account for the checking exchange payment transaction Or depositing an amount of money including at least one of the mileage converted into cash in connection with mileage information, etc. into the checking account, and processing the insufficient amount as a checking account electronic document for settlement. desirable.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. After the inclusion, the amount of withdrawal of the deposit of the linked account, or mileage information, in connection with an image file including the image content including the watermarking in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction; Including at least one or more amounts of money to convert the mileage in cash It is preferable to deposit the amount made into the checking account and process the insufficient amount in the checking and settlement process as a checking account electronic document for settlement.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), and the like in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction. The amount withdrawn from the deposit of the consolidated account, or the amount converted into cash in connection with the mileage information, etc. Deposited in the checking account an amount comprising at least one, and preferably treated with a checking account and the electronic document for a payment settlement process when insufficient checking exchange.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file or a web document file including MHT) For the purposes of the present invention, the amount of money including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. It is advisable to deposit the funds in the account and process the insufficient amount in the checking and settlement process as a checking account electronic document for payment.

According to another embodiment of the present invention, the server generates a document content including at least one or more customer information, account attribute information, linked account information, mileage information included in the received checking account information, the document Captured image content (e.g., image content generated by capturing the document content in memory) and a predetermined document file (e.g., Portable Document Format (PDF) file, or EDI) containing the checking account information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like. Amount of withdrawal of the deposit of the linked account in connection with a linked account, or the mileage in connection with mileage information, etc. To the amount which comprises a amount of cash exchanged for at least one deposit to a checking account and a checking account processing electronic documents for a payment settlement process when insufficient checking the exchange and preferred.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including image content including the watermarking and the checking account information; By generating a word processor file including at least one or the like, or a web document file including the MHT; It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. It is preferable to deposit an amount into the checking account and process the insufficient amount at the checking and settlement process as a checking account electronic document for settlement.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a checking account electronic document in an image file format and / or a predetermined document file format, and corresponds to the checking account electronic document. Since you will be familiar with the technical features of the file format for image files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated checking account electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes an electronic document D / B 965 and an electronic document server 945 associated with a server on the checking account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated checking account electronic document to the electronic document server 945 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the checking account opening system, the server corresponds to the electronic document storage on the DBMS provided in the checking account opening system. It is possible to store in the electronic document D / B 965, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the checking account electronic document in the electronic document storage is performed by linking the generated checking account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 965.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the checking account 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 checking account electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the checking account information, and / or financial institution information transmitting the checking account electronic document, and / or And electronic document file format information, and / or the checking account information.

If the checking account electronic document is stored in the electronic document storage room (1360), the server generates the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. (1365).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system 115 to finance the customer's name including the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. The account is opened (1370).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the financial account information, and storing the ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the checking account information. Amounts including at least one amount of withdrawal of the deposit of the linked account in connection with a linked account set up in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information, etc. To the checking account, and a predetermined amount of funds for settlement of the amount insufficient for the checking exchange It characterized in that the handle opening the left.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server transmits the financial account information to the ledger D / B 975 in association with the financial system 115. 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 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 975 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates the checking account information including at least one of the customer information, the account attribute information, the connecting account information, and the mileage information included in the checking account information, and stores the checking account information in a predetermined storage medium 980 (1375). ).

According to an embodiment of the present invention, when the storage medium 980 is provided in the server or on a network associated with the server, the server includes the customer information and the account included in the received checking account information. It is preferable to store the checking account information including at least one of attribute information, connection account information, and mileage information in the storage medium 980.

According to another exemplary embodiment of the present invention, when the storage medium 980 is provided in the DBMS provided on the financial system 115, the server includes the customer information and account attribute information included in the received checking account information. It is preferable to provide the checking account information including at least one connection account information and mileage information to the information system through the external system on the financial system 115 and store the information in the DBMS provided on the financial system 115.

Thereafter, the server may provide predetermined financial account opening history information (eg, the checking account opening history, and / or the history of storing the checking account electronic document in the electronic document repository, and / or the storage medium 980). The details of storing the checking account information) are generated (or extracted) and transmitted to the terminal (1380).

According to one embodiment of the invention, the storage medium 980 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 980 may be a ledger D / B 975 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 980 is provided on (or associated with) the checking 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.

14A, 14B, and 14C are diagrams illustrating a process of opening a checking account for settlement of an insufficient amount during a checking exchange exchange process in connection with a linked account or mileage according to an exemplary embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case where a checking account opening system shown in FIG. 9 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, a checking account opening shown in FIG. 9). In the case where the financial institution server 900 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, the amount of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction in the client terminal, or the amount converted into cash in connection with the mileage information, etc. The amount of money including at least one or more is deposited into the checking account and is insufficient when processing the checking exchange. When the predetermined bank account information is transmitted to the internet banking server in order to open a checking account for payment of the amount, the internet banking server includes at least one of the customer information, account attribute information, linked account information, and mileage information. The amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction based on the checking account information, or the amount converted into cash in connection with the mileage information, etc. The present invention relates to a method of depositing an amount of money including at least one or more into the checking account and opening the checking account for payment of the amount insufficient in the checking and processing of a checking exchange. Grows, see and / or refer to FIGS. 14a and 14b and 14c. It will be possible to infer various implementation methods for registering the checking account information through other types of non-face-to-face financial transaction channels, but the present invention includes all the implementation methods inferred, the present drawings 14a and 14b and the drawings. It is not limited to the implementation method shown in 14c.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 14A, 14B, and 14C, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the checking account information between the client terminal and the Internet banking server based on the browser program is shown, those of ordinary skill in the art to which the present invention pertains. And a 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. 14A, 14B, and 14C. Internet Banking Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering checking account information in the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The 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 14a, 14b and 14c, In another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering checking account information may be inferred. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 14A, 14B and 14C.

In addition, although the method shown in FIGS. 14A, 14B, and 14C 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 those skilled in the art. The present invention is not limited thereby.

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 900 is referred to as " server "

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. It means that a predetermined communication session is allocated so that the provided browser program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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 (1410a).

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 (1415a), 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 (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), 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 (1430a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and also provides information (eg, information to be provided to the server for registering the checking account information in the terminal). Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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 Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided to the server for registering the checking account information in the terminal. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

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 (1435a).

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 (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to the amount of money withdrawn from the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction from the terminal to the server, or the mileage information in cash. It refers to a communication channel for depositing an amount including at least one or more amounts of money exchanged into the checking account, and registers the insufficient amount during the checking exchange payment process by transmitting predetermined checking account information for payment.

Subsequently, the terminal is connected to the amount of withdrawal of the deposit of the linked account, or mileage information, in connection with the linked account set up in the process of opening a checking account for the checking exchange settlement transaction to the server through an internet banking-based financial transaction channel. By depositing an amount of money including at least one or more amounts of money converted into cash to the checking account, and requesting a web page including a user interface for payment of the insufficient amount during the checking exchange payment process (1400b), In response, the server inputs (or selects) a checking account information including at least one of the customer information, account property information, linked account information, and mileage information, and transmits a web page including a user interface for transmitting to the server. Create (or extract) (1405b) the internet banking-based financial transaction The web page including the generated user interface (or extracted) through the channel is transmitted to the terminal and output (1410b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) checking account information including at least one of customer information, account attribute information, linked account information, and mileage information in the terminal. Preferably, and / or the predetermined password and / or security card information (e.g., security card issued to the customer during the Internet banking application process to verify the validity of the Internet banking customer requesting to register the checking account information) Printed security card information) and / or one-time passwords (e.g., one-time passwords generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the Internet banking application process (or after an internet banking application). Preferably a user interface for inputting a password).

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

Thereafter, the terminal inputs (or selects) checking account information including at least one of the customer information, account attribute information, linked account information, and mileage information through the financial account opening interface (1415b).

If the terminal inputs (or selects) the checking account information including the customer information, account attribute information, connection account information, and mileage information through the user interface (1420b), the terminal receives the financial transaction channel through the financial transaction channel. The input (or selected) checking account information is transmitted to the server (1425b).

According to an embodiment of the present invention, the terminal is predetermined for checking the validity of the checking account information in the server to the checking account information including at least one of the customer information, account attribute information, linked account information, mileage information. It is preferable to further include at least one or more of the password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, etc.), and / or attach a predetermined electronic signature to the checking account information. It is preferable to transmit to the server through, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or the IC certificate (or IC card) when the certificate is provided on a predetermined IC chip (or IC card) It is preferable that a card reader for confirming the provided public certificate is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for checking account information including at least one of the customer information, account attribute information, connection account information, and mileage information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption scheme, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferred.

Those skilled in the art will be familiar with the technical features of various encryption methods for encrypting the checking account information, and the technical features of attaching a predetermined electronic signature to the checking account information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the checking account information through the financial transaction channel to confirm the validity of the checking account information (1430b).

According to an embodiment of the present invention, the checking account 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 exchange). When encrypted with the based encryption method, the server at least one decryption method (for example, symmetric key based decryption method and / or public key based decryption method) corresponding to the encrypted checking account information; / Or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received checking account information.

Alternatively, when a predetermined electronic signature is attached to the checking account information, the server verifies the validity of the received checking account information by checking the electronic signature attached to the checking account information.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted checking account information and the technical features for confirming the electronic signature attached to the checking account information. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the checking account information received through the information receiving unit 910 further includes a predetermined password for checking the validity of the checking account information, the server may include the checking account information. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes predetermined security card information for checking the validity of the checking account information, the server is included in the checking account information to receive the checking account. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Alternatively, when the checking account information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the checking account information, the server is included in the checking account information and received. It is preferable to authenticate the validity of the received checking account information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the checking of the validity of the checking account information is at least one ledger matched with the checking account information in the ledger D / B 975 on the financial system 115 associated with the checking account opening system. It is preferable to include checking whether the information is registered.

For example, checking the validity of the checking account information includes the ledger on the financial system 115 among the information included in the checking account information, wherein the customer information (customer personal information, member information, etc.) is linked to the checking account opening system. It is preferable to include a check that matches the customer ledger stored in the D / B (975).

If the validity of the checking account information is not authenticated (1435b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1440b), and does not perform the checking account opening procedure. Do not.

On the other hand, if the validity of the checking account information is authenticated (1435b), the server includes predetermined document content including at least one or more customer information, account property information, linked account information, and mileage information including the checking account information. A first checking account electronic document including the document content is generated (1445b) (1450c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and generates the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. Deposit the amount into the checking account and check the checking account for the insufficient amount during the checking exchange. It is preferred to handle electronically.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and the document content is included in the checking account information. After including at least one of customer information, account attribute information, linked account information, and mileage information by watermarking, a document file (eg, PDF (Portable Document) containing document content including the watermarking method. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). The amount of withdrawal of the deposit of the linked account in connection with the linked account set in the above, or in connection with the mileage information, etc. It is preferable to deposit an amount of money including at least one amount of cash exchanged into cash in the checking account, and process the insufficient amount in the checking account payment process as a checking account electronic document for settlement.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. Amount of withdrawal of the deposit of the linked account in connection with an image file including (e.g., image content generated by capturing the document content in a memory) in connection with a linked account set in the opening of a checking account for the checking exchange payment transaction Or depositing an amount of money including at least one of the mileage converted into cash in connection with mileage information, etc. into the checking account, and processing the insufficient amount as a checking account electronic document for settlement. desirable.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. After the inclusion, the amount of withdrawal of the deposit of the linked account, or mileage information, in connection with an image file including the image content including the watermarking in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction; Including at least one or more amounts of money to convert the mileage in cash It is preferable to deposit the amount made into the checking account and process the insufficient amount in the checking and settlement process as a checking account electronic document for settlement.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), and the like in connection with the linked account set in the opening of the checking account for the checking exchange payment transaction. The amount withdrawn from the deposit of the consolidated account, or the amount converted into cash in connection with the mileage information, etc. Deposited in the checking account an amount comprising at least one, and preferably treated with a checking account and the electronic document for a payment settlement process when insufficient checking exchange.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file or a web document file including MHT) For the purposes of the present invention, the amount of money including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information, etc. It is advisable to deposit the funds in the account and process the insufficient amount in the checking and settlement process as a checking account electronic document for payment.

According to another embodiment of the present invention, the server generates a document content including at least one or more customer information, account attribute information, linked account information, mileage information included in the received checking account information, the document Captured image content (e.g., image content generated by capturing the document content in memory) and a predetermined document file (e.g., Portable Document Format (PDF) file, or EDI) containing the checking account information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like. Amount of withdrawal of the deposit of the linked account in connection with a linked account, or the mileage in connection with mileage information, etc. To the amount which comprises a amount of cash exchanged for at least one deposit to a checking account and a checking account processing electronic documents for a payment settlement process when insufficient checking exchange is preferred.

Alternatively, the server generates document content including at least one of customer information, account attribute information, linked account information, and mileage information included in the received checking account information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one of customer information, account attribute information, linked account information, and mileage information included in the checking account information may be watermarked. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including image content including the watermarking and the checking account information; By generating a word processor file including at least one or the like, or a web document file including the MHT; It includes at least one or more amounts of money withdrawn from the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of cash exchanged in cash in connection with mileage information, etc. It is preferable to deposit an amount into the checking account and process the insufficient amount at the checking and settlement process as a checking account electronic document for settlement.

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

Thereafter, the server stores the generated checking account electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes an electronic document D / B 965 and an electronic document server 945 associated with a server on the checking account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated checking account electronic document to the electronic document server 945 through the communication means to store in the electronic document D / B (965).

Alternatively, when the electronic document storage is provided on the DBMS provided in the checking account opening system, the server corresponds to the electronic document storage on the DBMS provided in the checking account opening system. It is possible to store in the electronic document D / B 965, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the checking account electronic document in the electronic document storage is performed by linking the generated checking account electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 965.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the checking account 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 checking account electronic document.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the checking account information, and / or financial institution information transmitting the checking account electronic document, and / or And electronic document file format information, and / or the checking account information.

If the checking account electronic document is stored in the electronic document repository (1460c), the server generates the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. (1465c).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the checking account opened based on the checking account information, and if the checking account includes a savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system 115 to finance the customer's name including the financial account information based on the customer information, account attribute information, linked account information, and mileage information included in the checking account information. The account is opened (1470c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 115 (or a customer provided with matching customer information). Checking the ledger), generating predetermined account ledger information including the financial account information, and storing the ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the checking account information. Amounts including at least one amount of withdrawal of the deposit of the linked account in connection with a linked account set up in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information, etc. To the checking account, and a predetermined amount of funds for settlement of the amount insufficient for the checking exchange It characterized in that the handle opening the left.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server transmits the financial account information to the ledger D / B 975 in association with the financial system 115. 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 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 975 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates the checking account information including at least one of the customer information, the account attribute information, the connecting account information, and the mileage information included in the checking account information, and stores the checking account information in a predetermined storage medium 980 (1475c). ).

According to an embodiment of the present invention, when the storage medium 980 is provided in the server or on a network associated with the server, the server includes the customer information and the account included in the received checking account information. It is preferable to store the checking account information including at least one of attribute information, connection account information, and mileage information in the storage medium 980.

According to another exemplary embodiment of the present invention, when the storage medium 980 is provided in the DBMS provided on the financial system 115, the server includes the customer information and account attribute information included in the received checking account information. It is preferable to provide the checking account information including at least one connection account information and mileage information to the information system through the external system on the financial system 115 and store the information in the DBMS provided on the financial system 115.

Thereafter, the server may provide predetermined financial account opening history information (eg, the checking account opening history, and / or the history of storing the checking account electronic document in the electronic document repository, and / or the storage medium 980). History of storing the checking account information) is generated (or extracted) and transmitted to the terminal (1480c).

According to one embodiment of the invention, the storage medium 980 is preferably provided in a DBMS on the financial system 115 provided on the checking account opening system (or associated with the checking account opening system), In this case, the storage medium 980 may be a ledger D / B 975 provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B 975. Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 980 is provided on (or associated with) the checking 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.

FIG. 15 is a diagram illustrating a face-to-face linked information registration system for registering linked information including at least one of linked account information or mileage information according to an embodiment of the present invention.

More specifically, FIG. 15 shows a registration of link information including at least one connection account information for a predetermined customer to withdraw a deposit of the linked account for a checking exchange settlement transaction, or mileage information for converting the mileage into cash. In order to prepare and submit a linked information registration application including at least one of customer information, linked account information, and mileage information, predetermined image contents corresponding to the linked information registration application through a predetermined image acquisition device at a given window terminal Obtain the link information and provide the link information corresponding to the link information registration application and the image content obtained from the link information registration application to the link information registration system through a predetermined information registration interface, and include the image content. Linked Information Registration Application Electronic Document The present invention relates to a system configuration for generating and storing in a predetermined electronic document storage, and cooperatively processing the customer information, linked account information, and mileage information included in the linked information, and storing the same in the predetermined storage medium 1570. Electronic document storage is provided on the external system associated with the linked information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 15 to exchange linked account information, or mileage for cash, to withdraw the deposit of the linked account for a checking exchange settlement transaction. Although various implementation methods for constructing a linkage information registration system for linkage information registration including at least one or more mileage information for the present invention may be inferred, the present invention includes all the above-described embodiment methods, and It is not limited only to the implementation method shown.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the linked information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 15, the link information registration application electronic document corresponding to the link information registration application is described as being generated on the server side on the link information registration system. The connection information registration request electronic document may not be limited, and may be generated at a terminal that acquires image content corresponding to the connection information registration application through a predetermined image acquisition device (for example, an electronic device provided at the server side). A document generation function is provided on the terminal side to generate the linkage information registration request electronic document), thereby not limiting the present invention.

Hereinafter, receiving the linkage information and the image contents corresponding to the linkage information registration application created by the customer through a predetermined information registration interface on the linkage information registration system shown in FIG. 15 to generate a predetermined linkage information registration application electronic document. Components corresponding to at least one or more means and / or functional configurations for storing in a predetermined electronic document storage and storing the linked information in the predetermined storage medium 1570 are referred to as "information registration server 1500" for convenience.

Referring to FIG. 15 in accordance with an embodiment of the present invention, it comprises at least one connection account information for withdrawing the deposit of the connection account for the checking exchange settlement transaction, or at least one mileage information for converting the mileage into cash. Linkage information registration system for linkage information registration, characterized in that it comprises an information registration terminal 1580 including a teller terminal provided in at least one branch (or branch) of the financial institution, the information registration terminal 1580 ) Is connected to the information registration server 1500 provided on the linked information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer linked information comprising at least one connection account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction, or mileage information for converting the mileage into cash A connection to withdraw a deposit of a consolidation account for the checking exchange settlement transaction through a visit to the financial institution branch (branch) for registration and through a window (or through a teller) provided at the financial institution branch (branch). Linkage information registration application for registration of linkage information including at least one of account information or mileage information for converting mileage into cash (e.g., linking to withdraw the deposit of the linking account for the checking exchange settlement transaction). E) to exchange account information or mileage for cash; A document having a form for filling in at least one information item for registering linked information including at least one piece of ridge information), wherein the customer is required to provide a legal basis for the linked information registration application. It is preferable to seal the seal of the customer.

Subsequently, when the customer submits the created linked information registration application to the counter staff, the counter staff scans the linked information registration application through a predetermined image acquisition device to acquire predetermined image contents, and the predetermined counter terminal. Input (or select) image content acquired in response to the linkage information registration application and linkage information including at least one of customer information, linkage account information, and mileage information written in the linkage information registration application; The window terminal preferably transmits the image content and the link information to the information registration server 1500 provided on the link information registration 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 information registration server 1500 connected to the window terminal is the predetermined financial system 115 It is preferable to include a server provided on the (eg ledger server, etc.), the financial network connecting the teller terminal and the information registration server 1500 is a communication channel between the teller terminal and the information registration server 1500 It is preferable to include a sugar chain to connect the.

In the linkage information registration system as described above, an image acquisition device for acquiring image content corresponding to the linkage information registration application created by the customer, the teller terminal used by the employee, the teller terminal and the information registration server 1500. The financial network for connecting the link information includes at least one connection account information for the customer to withdraw the deposit of the connection account for the checking exchange settlement transaction, or mileage information for converting the mileage into cash. Performs the function of the information registration interface for registering the linked information.

The storage medium 1570 provided on the linked information registration system according to the present invention performs a predetermined process by linking the customer information, linked account information, and mileage information included in the linked information provided from the information registration terminal 1580. The storage medium 1570 is characterized in that the storage.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the linkage information registration application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 115 associated with the linked information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

According to an embodiment of the present invention, the storage medium 1570 is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked to the linkage information registration system). In this case, the storage medium 1570 may be a ledger D / B provided in the DBMS on the financial system 115, and / or a predetermined database associated with the ledger D / B, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1570 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the linked information registration 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 information registration server 1500 provided on the linkage information registration system according to the present invention is a generic term for the linkage information registration system side components connected to the information registration terminal 1580 through a predetermined financial network. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 1580 is a teller terminal connected to a predetermined financial network, the information registration server 1500 may be connected to the teller terminal through a predetermined financial network. And / or a server (or device) provided in the external system on the financial system 115, and / or a program provided in the external system on the financial system 115. The present invention is not limited thereby.

According to an embodiment of the present invention, the information registration server 1500 is provided with an interface unit 1505 for connecting and managing a predetermined communication channel with the information registration terminal 1580 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1580 is a window terminal connected to a predetermined financial network, the interface unit 1505 may select the window terminal and the predetermined window based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 15, when the predetermined information registration terminal 1580 connects a predetermined communication channel with the information registration server 1500 through the interface unit 1505, the current account is located. The predetermined information provided in the information registration terminal 1580 for linkage information registration including at least one of connection account information for withdrawing the deposit of the linked account for exchange transaction, or mileage information for converting the mileage into cash. Acquire an image content corresponding to the linked information registration application created by the customer through the image acquisition device of the user, and input (or select) the linked information corresponding to the linked information registration application to be transmitted to the information registration server 1500. Generating (or extracting) at least one user interface, and in association with the interface unit 1505 (Or extracted) the interface providing unit 1510 for providing the extracted user interface to the information registration terminal 1580 and the link information corresponding to the link information registration application through the user interface in the information registration terminal 1580. When the information is input (or selected) and transmitted, the information receiving unit 1515 receives the linkage information transmitted from the information registration terminal 1580 in association with the interface unit 1505, and the information registration terminal 1580 transmits the information. When the image content corresponding to the linked information registration application prepared by the customer is obtained and transmitted through a predetermined image obtaining apparatus, the image content corresponding to the linked information registration application is linked to the interface unit 1505. Characterized in that it comprises an image receiving unit for receiving.

The interface providing unit 1510 connects a predetermined communication channel with the information registration server 1500 through the interface unit 1505, and then the information registration server 1500 to the information registration server 1500. When requesting a user interface for linkage information registration comprising at least one of connection account information for withdrawing a deposit of a linked account or mileage information for converting mileage into cash for a checking exchange settlement transaction, the information registration terminal Acquire an image content corresponding to the linked information registration application created by the customer through a predetermined image acquisition device provided at 1580, and input (or select) link information corresponding to the linked information registration application to the financial network. Create at least one user interface for transmitting to the information registration server 1500 via Or, and / or extract from a predetermined database (not shown) and provide the generated (or extracted) user interface to the information registration terminal 1580 via the financial network in conjunction with the interface unit 1505. It features.

According to another exemplary embodiment of the present invention, the information registration terminal 1580 acquires image contents corresponding to the linked information registration application created by the customer through a predetermined image acquisition device, and the linked information corresponding to the linked information registration application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the information registration server 1500 through the financial network is provided, Generate a user interface for acquiring image content corresponding to the linked information registration application prepared by the customer, inputting (or selecting) linked information corresponding to the linked information registration application, and transmitting the linked information to the information registration server 1500. Interface providing unit 1 to provide (or extract) to the information registration terminal 1580 510 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1580 inputs (or selects) the link information including at least one of the customer information, the connection account information, and the mileage information through the user interface, and the input (or the selected) link information. Is transmitted to the information registration server 1500 through the financial network, and in response, the information receiving unit 1515 transmits the linkage information transmitted from the information registration terminal 1580 in association with the interface unit 1505. It is characterized by receiving.

In addition, the information registration terminal 1580 acquires image contents corresponding to the linked information registration application written by the customer through a predetermined image obtaining apparatus based on the user interface, and converts the obtained image contents into the financial network. The image receiving unit 1500 is transmitted to the information registration server 1500. In response thereto, the image receiving unit receives image contents corresponding to the linkage information registration application in association with the interface unit 1505.

According to another exemplary embodiment of the present invention, the information registration terminal 1580 acquires image content corresponding to the linked information registration application created by the customer through a predetermined image acquisition device and is provided to the information registration terminal 1580. When previously stored in a predetermined (or linked) predetermined storage device, the information registration terminal 1580 is connected to a linked information registration application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. A corresponding image content is selected and transmitted to the information registration server 1500 through the financial network. In response thereto, the image receiving unit connects the image content corresponding to the linked information registration application in association with the interface unit 1505. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 1580 transmits the image content corresponding to the linked information registration application created by the customer and the linked information corresponding to the linked information registration application through the user interface. In this case, the information receiver 1515 may receive the image content corresponding to the linkage information registration application and the linkage information together with the interface unit 1505 (for example, the image receiver 1515). And integrated operation), whereby the present invention is not limited.

Referring to FIG. 15, if the information registration server 1500 receives the link information transmitted from the information registration terminal 1580 through the information receiving unit 1515, the received link information is the checking exchange payment transaction. In order to verify the validity for registration of linked information including at least one or more of the linked account information for withdrawing the deposit of the linked account, or the mileage information for converting the mileage into cash for the validity check unit (1525) It is characterized by comprising.

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 1525 may include, among the information included in the linkage information, the customer information (customer information, member information, etc.) of the ledger D / on the financial system 115 associated with the linkage information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

Referring to FIG. 15, the information registration server 1500 receives the image content transmitted from the information registration terminal 1580 through the image receiving unit, and receives the image information transmitted through the validity checking unit 1525. If the validity is authenticated, the electronic document generator 1530 for generating a predetermined link information registration request electronic document including the received image content and the generated link information registration request electronic document are linked to the link information registration system. And an electronic document transmission unit 1535 for transmitting to the electronic document storage.

The electronic document generating unit 1530 may generate a linkage information registration request electronic document including the image content received from the information registration terminal 1580 through the image receiving unit.

According to one embodiment of the present invention, the electronic document generation unit 1530 is the image file including the image content received from the information registration terminal 1580 through the image receiving unit for the checking exchange payment transaction as it is. It is preferable to process the linkage information registration application electronic document for linkage information registration, which includes at least one of linkage account information for withdrawing the deposit of the linked account, or mileage information for converting the mileage into cash.

Alternatively, the electronic document generation unit 1530 may include customer information and a connection account included in the linkage information received through the information receiving unit 1515 in the image content received from the information registration terminal 1580 through the image receiving unit. Image file corresponding to image contents including at least one of information and mileage information in a watermarking manner, the linked account information for withdrawing the deposit of the linked account for the checking exchange payment transaction, or cashing the mileage It is preferable to generate a linkage information registration application electronic document for registering linkage information including at least one or more mileage information for currency exchange.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1530 may include a predetermined document file (eg, PDF (Portable) including the image content received from the information registration terminal 1580 through the image receiving unit. A Document 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 MHT). It is preferable to generate a linkage information registration application electronic document for linkage information registration including at least one of linkage account information for withdrawing the deposit of the linked account, or mileage information for converting the mileage into cash.

Alternatively, the electronic document generation unit 1530 may include customer information and a connection account included in the linkage information received through the information receiving unit 1515 in the image content received from the information registration terminal 1580 through the image receiving unit. Generating image content including at least one of information and mileage information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file or EDI) including the generated image content (Electronic Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), to withdraw the deposit of the linked account for the checking exchange transaction Including at least one connection account information, or mileage information for converting the mileage into cash It is desirable to create a linkage information registration application electronic documents for registration related information.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1530 is associated with the image content received from the information registration terminal 1580 through the image receiving unit and the information receiving unit 1515. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. Linkage for annual account registration, which includes at least one connection account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction, or mileage information for converting the mileage into cash. It is desirable to create an information registration application electronic document.

Alternatively, the electronic document generation unit 1530 may include customer information and a connection account included in the linkage information received through the information receiving unit 1515 in the image content received from the information registration terminal 1580 through the image receiving unit. Generates image content including at least one of information and mileage information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the linkage information. Files, electronic data interchange (EDI) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT). At least one of the linked account information for withdrawing the deposit or the mileage information for converting the mileage into cash It is also produced by the linkage information registration application electronic document for the linkage information registration made are preferred.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1530 is a technical feature to generate an electronic file registration information registration application file of the image file format and / or a predetermined document file format, and Since the technical features of the file format for the image file and / or the document file corresponding to the linkage information registration application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1535 transmits and stores the linked information registration request electronic document generated by the electronic document generating unit 1530 to a predetermined electronic document repository associated with the linked information registration system. do.

As shown in FIG. 15, the electronic document repository is connected to an information registration server 1500 on the linked information registration system through a predetermined communication means, and a predetermined electronic document server 1545 and an electronic document D / B 1656. When provided externally, the electronic document transmission unit 1535 is the electronic document server 1545 via the communication means for the link information registration request electronic document generated by the electronic document generation unit 1530. It is characterized in that for transmitting.

Here, when the electronic document server 1545 and the electronic document D / B 1656 are provided outside the linkage information registration system, the electronic document server 1545 and the electronic document D / B 1656 are 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 linkage information registration system, the electronic document transmitting unit 1535 is generated by the electronic document generating unit 1530. The linked information registration application electronic document can be stored in the electronic document D / B 1656 corresponding to the electronic document storage on the DBMS provided in the linked information registration system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1535 may include electronic document related information (eg, linkage information corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 1545. Customer information that created a registration application, and / or financial institution information transmitting the linked information registration request electronic document, and / or electronic document file format information, and / or the linked information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 15, the information registration server 1500 may withdraw the deposit of the linked account for the checking exchange payment transaction through the validity checking unit 1525 through the linkage information received through the information receiving unit 1515. If the validity for registration of the linked information including at least one connection account information or mileage information for converting the mileage into cash is authenticated, the customer information, the linked account information, And an information storage unit 1540 for linking and processing the mileage information in a predetermined storage medium 1570.

When the validity of the linked information is confirmed by the validity checker 1525, the information storage unit 1540 links and processes the customer information, the linked account information, and the mileage information included in the linked information. 1570, and when the storage medium 1570 is provided in the information registration server 1500 or on a network associated with the information registration server 1500, the information storage unit ( The 1540 preferably processes the customer information, the linked account information, and the mileage information included in the received linked information in the storage medium 1570, and the storage medium 1570 is stored on the financial system 115. When provided in the DBMS provided in the, the information storage unit 1540 is the customer information, the connection account information, the mileage information included in the received linked information to the information system through the external system on the financial system 115 And it is preferably stored in a DBMS provided on the financial system 115.

Referring to FIG. 15, an electronic document which receives a predetermined link information registration request electronic document from the information registration server 1500 provided on the link information registration system and stores and manages it in a predetermined electronic document D / B 1656. The document server 1545 includes an electronic document receiving unit 1550 for receiving a predetermined link information registration request electronic document from the information registration server 1500 through a predetermined communication means, and the received link information registration request electronic document. An information generation unit 1555 for generating predetermined electronic document management information for storage and management in the electronic document D / B 1656, and the electronic document management information and the linkage information registration request electronic document in a predetermined process. An electronic document storage unit 1560 for storing in the electronic document D / B (1656).

The electronic document receiving unit 1550 may receive an electronic document registration request electronic document in the form of an image file and / or a document file from the information registration server 1500 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 1550 receives the linked information registration request electronic document through the communication means, the image is received by the information registration server 1500 from the information registration terminal 1580 It is preferable that the image file including the content is included as it is.

Alternatively, the link information registration request electronic document received by the electronic document receiving unit 1550 through the communication means may be included in the link information on the image content received by the information registration server 1500 from the information registration terminal 1580. It is preferable to include an image file corresponding to the image content including at least one or more of the included customer information, connection account information, mileage information in a watermarking method.

According to another exemplary embodiment of the present invention, the link information registration request electronic document received by the electronic document receiving unit 1550 through the communication means is received by the information registration server 1500 from the information registration terminal 1580. Predefined document files containing image content (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 including MHT) Document files).

Alternatively, the link information registration request electronic document received by the electronic document receiving unit 1550 through the communication means is included in the link information in the image content received by the information registration server 1500 from the information registration terminal 1580. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of the collected customer information, linked account information, and mileage information by watermarking). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the link registration information electronic document received by the electronic document receiving unit 1550 through the communication means is received by the information registration server 1500 from the information registration terminal 1580 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 one image content and the associated information; or Web document files including MHT).

Alternatively, the link information registration request electronic document received by the electronic document receiving unit 1550 through the communication means is included in the link information in the image content received by the information registration server 1500 from the information registration terminal 1580. Image content including at least one or more of the collected customer information, linked account information, and mileage information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file) including the linked information, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 1555 is a predetermined electronic document unique number (or unique information) to be assigned to the linked information registration request electronic document received through the electronic document receiving unit 1550, and through the electronic document receiving unit 1550 And generating electronic document management information including electronic document storage date and time information including a date and time at which the linked information registration request electronic document is received (or a date and time at which the linked information registration request electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 1555 refers to the information registration server 1500 that transmits the connection information registration request electronic document received through the electronic document receiving unit 1550 and the link information. It is preferable to confirm the financial institution that sent the registration application electronic document, and to 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 information registration server 1500 through the electronic document receiving unit 1550, the information generating unit 1555 receives the received information. Electronic document-related information (e.g., customer information for creating a linkage information registration application corresponding to the image content, and / or financial institution information for transmitting the linkage information registration request electronic document, and / or electronic document file format information, and / Or electronic document management information further including the linkage information).

The electronic document storage unit 1560 links and processes the electronic document management information generated through the information generating unit 1555 and the link information registration request electronic document received through the electronic document receiving unit 1550. It stores in the D / B (1656).

According to the exemplary embodiment of the present invention, the information registration server 1500 stores the linked information registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560. Preferably, the image file including the image content received from 1580 is included.

Alternatively, the linked information registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560 is the image received by the information registration server 1500 from the information registration terminal 1580. Preferably, the content includes an image file corresponding to an image content including at least one of customer information, connection account information, and mileage information included in the linked information by a watermarking method.

According to another exemplary embodiment of the present invention, the information registration server 1500 stores the information registration terminal for the linked information registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560. 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 1580; Or a web document file including the MHT).

Alternatively, the linked document registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560 is an image content received by the information registration server 1500 from the information registration terminal 1580. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner. 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 another exemplary embodiment of the present invention, the information registration server 1500 registers the information on the connection information registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560. 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 content received from the terminal 1580 and the linking information. A word processor file, or a web document file including MHT).

Alternatively, the linked document registration request electronic document stored in the electronic document D / B 1656 by the electronic document storage unit 1560 is an image content received by the information registration server 1500 from the information registration terminal 1580. Image content including at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner, and a predetermined document file including the linked information (eg, PDF (Portable). Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1656 by the electronic document storage unit 1560 in association with the electronic document registration request electronic document and stored in the electronic document D / B 1656 is registered. 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 the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1656 by the electronic document storage unit 1560 in association with the electronic document registration request electronic document is stored in the associated information. It is preferable to further include information on the financial institution that sent the link information registration request electronic document confirmed with reference to the information registration server 1500 that sent the registration request 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 1500, the electronic document storage unit 1560 processes the linked information registration request electronic document by The electronic document management information stored in the electronic document D / B 1656 may include the received electronic document related information (for example, customer information for creating a linkage information registration application corresponding to the image content, and / or register linkage information). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the linking information).

16 illustrates a ledger D / B 1600 provided in a DBMS on a financial system 115 in a face-to-face manner for registering linked information including at least one of linked account information or mileage information according to an embodiment of the present invention. FIG. 1 is a diagram illustrating a structure of link information stored in the link information. FIG.

In more detail, FIG. 16 illustrates that the storage medium 1570 illustrated in FIG. 15 is the ledger D / B 1600 provided in the DBMS on the financial system 115. As the information structure for one embodiment of the method of storing the linked information including the customer information, the linked account information, the mileage information in the ledger information, if the person having ordinary knowledge in the technical field to which the present invention belongs, 16 may be inferred from various information construction methods for storing the linkage information in the ledger D / B 1600 by referring to and / or modifying the present invention, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 16 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1600 provided in the DBMS on the financial system 115 may include a predetermined customer ledger and an account associated with the customer ledger. Ledgers (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown, including those having ordinary knowledge in the technical field to which the present invention belongs, the financial system 115 In the ledger D / B 1600 provided in the DBMS on the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be apparent that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Omit 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, area 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 detailed description thereof will be omitted.

In addition, the account ledger is linked to the customer ledger in a relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bankbook Balance, Bank Account Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, Number of Unpaid Transactions, Interest System Account, Consolidation, Final Payment Interest, Final Payment It includes at least one transaction number, individual interest rate reference, and the date of final interest calculation, and at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic receipt information, and / or trust receipt 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. 16, the link information provided through the link information registration system shown in FIG. 15 may be stored in the form of additional information added to the account ledger. The link information may include customer information and link account information. It characterized in that it comprises at least one mileage information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

According to another exemplary embodiment of the present invention, the linkage information may be 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 can be stored in the form of information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

17 is a ledger D / B 1700 provided in a DBMS on a financial system 115 in a face-to-face manner for registering linked information including at least one of linked account information or mileage information according to another embodiment of the present invention. ) Is a diagram showing the configuration of the association information stored in the database associated with the ().

In more detail, FIG. 17 illustrates an embodiment in which the storage medium 1705 shown in FIG. 15 is stored in a predetermined database linked to the ledger D / B 1700 included in the DBMS on the financial system 115. As shown in FIG. 17, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 17 and transmit the linking information to a predetermined database with the ledger D / B 1700. It is possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 17, when it is not easy to store the linkage information in the ledger information of the ledger D / B 1700 on the DBMS provided on the financial system 115 (for example, in the policy of a financial institution, When it is not easy to change the ledger D / B 1700, or the system expansion is not easy due to the characteristics of the financial system 115), the linkage information is provided in a predetermined database instead of the ledger D / B 1700. And an implementation method of storing the database by linking the database and the ledger D / B 1700.

In addition, the database shown in FIG. 17 does not have to be provided on a DBMS provided on the financial system 115 as in the embodiment shown in FIG. 17, and a 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. 17, the database stores and stores the customer information, the linked account information, and the mileage information included in the linked information, and the linked information is linked to the ledger D / B 1700. Preferably, the linkage information further includes a CIF number corresponding to the ledger information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

18 is a diagram illustrating a configuration of linkage information stored in a DBMS provided in a banking server 1800 in a face-to-face manner for registering linkage information including at least one of connection account information or mileage information according to another embodiment of the present invention. Figure is shown.

In more detail, FIG. 18 shows a predetermined banking server 1800 in which the storage medium shown in FIG. 15 is 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 provided in the DBMS provided in the), those skilled in the art to which the present invention pertains, at least one banking server (1800) by referring to and / or modifying the drawing 18 It is possible to infer the information configuration method for the linkage information stored in the predetermined DBMS provided, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 18, a predetermined DBMS provided in the banking server 1800 may store and store customer information, connection account information, and mileage information included in the link information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

19A and 19B illustrate a process of registering linking information in a face-to-face manner according to an exemplary embodiment of the present invention.

19a and 19b show a window terminal in which an information registration terminal 1580 on the linked information registration system shown in FIG. 15 is provided at a branch (or branch) of a financial institution, and the information registration server 1500 is In the case of having a ledger server (not shown) function on the financial system 115 associated with a teller terminal through a predetermined financial network, a predetermined customer connects to withdraw the deposit of the linked account for a checking exchange settlement transaction. If you fill out and submit an application for registration of registration information including at least one of customer information, connection account information, and mileage information for registration of link information including at least one of account information or mileage information for converting mileage into cash, Predetermined image content corresponding to the linked information registration application through a predetermined image acquisition device in a predetermined window terminal Obtain the link information and provide the link information corresponding to the link information registration application and the image content obtained from the link information registration application to the link information registration system through a predetermined information registration interface, and include the image content. The present invention relates to an implementation method of generating an electronic document for registering linked information and storing the electronic document in a predetermined electronic document repository, and processing the customer information, linked account information, and mileage information included in the linked information in a predetermined storage medium. Specifically, after obtaining a predetermined image content corresponding to the linked information registration application through the predetermined image acquisition device in the window terminal and transmits it to the information registration server 1500, the linked information corresponding to the linked information registration application Enter (or select) information to transfer to the information registration server 1500 Method illustrates the embodiment of.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the linkage information to the information registration server 1500 in the window terminal by referring to and / or modified in the drawings 19a and 19b It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 19A and 19B.

For example, in the implementation method shown in FIGS. 19A and 19B, the counter terminal acquires predetermined image contents corresponding to the linked information registration application through a predetermined image acquisition device, and / or the linked information registration application. Although a user interface for inputting (or selecting) corresponding linking information is illustrated and provided from the information registration server 1500, the user interface is provided with the information when a predetermined information registration program is provided in the window terminal. It does not need to be provided from the registration server 1500, and thereby the present invention is not limited.

In the following Figures 19a and 19b, the window terminal shown in Figure 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in Figure 15 is referred to as "server" for convenience, and in the window terminal The customer information, the connection account information, and the mileage information transmitted to the information registration server 1500 are referred to as "association information" for convenience.

19A and 19B, linked information including at least one linked account information for a predetermined customer to withdraw a deposit of the linked account for a checking exchange settlement transaction, or mileage information for converting the mileage into cash If a completed application for registration of registration information including at least one of customer information, connection account information, and mileage information is submitted for registration, the teller terminal shown in FIG. 15 accesses the server through a predetermined financial network to provide a predetermined application. In a state in which the communication channel is connected, at least one connection account information for withdrawing the deposit of the connection account or mileage information for converting the mileage into cash for the checking exchange settlement transaction corresponding to the linked information registration application is made. Request user interface for linkage information registration On the surface 1900, the server generates a user interface for acquiring the predetermined image content corresponding to the linked information registration application written by the customer through the predetermined image obtaining apparatus in the terminal and transmitting the predetermined image content to the server ( Or (1905), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (1910).

Thereafter, the terminal acquires image content corresponding to the linkage information registration application through a predetermined image acquisition device based on the user interface (1915).

If image content corresponding to the linked information registration application is obtained through the image acquisition device (1920), the terminal transmits the acquired image content to the server through the financial network (1925).

Thereafter, the server inputs (or selects) link information including at least one of customer information, link account information, and mileage information corresponding to the link information registration application matching the image content, and transmits the link information to the server. And generate (or extract) 1930, and transmit and output the generated (or extracted) user interface to the terminal through the financial network (1935).

Thereafter, the terminal inputs (or selects) linkage information including at least one of the customer information, the connection account information, and the mileage information through the user interface (1940).

If connection information including at least one of the customer information, the connection account information, and the mileage information is input (or selected) through the user interface (1945), the terminal inputs the input (or The selected link information is transmitted (1950).

Thereafter, the server receives and reads linkage information including at least one of the customer information, the link account information, and the mileage information through the financial network to confirm the validity of the linkage information (1955).

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 1525 may include, among the information included in the linkage information, the customer information (customer information, member information, etc.) of the ledger D / on the financial system 115 associated with the linkage information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

If the validity of the association information is not authenticated (1960), the server generates predetermined information registration error information and transmits it to the terminal (1965), and does not perform an information registration procedure corresponding to the association information.

On the other hand, if the validity of the link information is authenticated (1960), the server generates a predetermined link information registration request electronic document including the image content (1970).

According to an embodiment of the present invention, the server withdraws the deposit of the linked account for the checking exchange payment transaction as it is the image file including the image content received from the information registration terminal 1580 through the image receiving unit. It is preferable to process the linked account information, or the link information registration application electronic document for registering the link information including at least one or more mileage information for converting the mileage into cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Linking account information for withdrawing the deposit of the linked account for the checking and checking transaction of an image file corresponding to the image content including one or more information by watermarking, or mileage information for converting the mileage into cash. It is preferable to generate a linkage information registration application electronic document for registering linkage information comprising at least one or more.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or a PDF file) including the image content received from the information registration terminal 1580 through the image receiving unit. Withdraw the deposit of the linked account for the checking exchange settlement transaction by generating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to generate a linkage information registration application electronic document for linkage information registration comprising at least one or more linked account information, or mileage information for converting the mileage to cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content. Or linking account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction by generating a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, or the like. Linkage information including at least one mileage information for converting mileage into cash It is desirable to create an electronic application for registration of linked information for registration.

According to another exemplary embodiment of the present invention, the server includes a predetermined image including the image content received from the information registration terminal 1580 through the image receiving unit and the linkage information received through the information receiving unit 1515. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Generating a linkage information registration application electronic document for linkage information registration including at least one linkage account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction, or mileage information for converting the mileage into cash It is desirable to.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the associated information). Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), so as to withdraw the deposit of the linked account for the checking exchange settlement transaction. Account information or at least one mileage information for converting the mileage into cash It is desirable to generate a linkage information registration application electronic document for linkage information registration.

If the person skilled in the art of the present invention belongs to the technical features that the server generates the link information registration request electronic document in the image file format and / or a predetermined document file format, and the link information registration 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 linked information registration request electronic document in a predetermined electronic document storage (1975).

As shown in FIG. 15, the electronic document repository includes a predetermined electronic document server 1545 and an electronic document D / B 1656 linked to a server on the linked information registration system through predetermined communication means. When provided with, the server preferably transmits the generated link information registration request electronic document to the electronic document server 1545 through the communication means to store in the electronic document D / B (1656).

Alternatively, when the electronic document storage is provided on the DBMS provided in the linked information registration system, the server sends the generated linked information registration request electronic document to the electronic document storage on the DBMS provided in the linked information registration system. It is possible to store in the corresponding electronic document D / B 1656, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the linked information registration request electronic document in the electronic document repository may be performed by linking the generated linked information registration request electronic document and predetermined electronic document management information as illustrated in FIG. 15. It is preferable to include storing in the electronic document D / B (1656).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the linked information registration 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 linkage information registration application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a linked information registration application corresponding to the image content, and / or financial institution information for transmitting the linked information registration request electronic document, and And / or electronic document file format information, and / or the associated information.

If the linked information registration request electronic document is stored in the electronic document repository (1980), the server processes the customer information, linked account information, and mileage information included in the linked information in a predetermined storage medium. (1985) generating (or extracting) predetermined information registration history information (eg, a history of storing the linkage information registration request electronic document in the electronic document repository, and / or a history of storing the linkage information in the storage medium). And transmits to the terminal (1990).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked with the linkage information registration system). The storage medium may be a ledger D / B provided in the DBMS on the financial system 115, 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 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the linked information registration system, and / or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

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

In more detail, FIGS. 20A and 20B are window terminals provided with an information registration terminal 1580 on a linked information registration system shown in FIG. 15 at a financial institution branch (or a branch), and the information registration server 1500 is In the case of having a ledger server (not shown) function on the financial system 115 associated with a teller terminal through a predetermined financial network, a predetermined customer connects to withdraw the deposit of the linked account for a checking exchange settlement transaction. If you fill out and submit an application for registration of registration information including at least one of customer information, connection account information, and mileage information for registration of link information including at least one of account information or mileage information for converting mileage into cash, Predetermined image content corresponding to the linked information registration application through a predetermined image acquisition device in a predetermined window terminal Obtain the link information and provide the link information corresponding to the link information registration application and the image content obtained from the link information registration application to a link information registration system through a predetermined information registration interface, and include the image content. The method for generating an electronic document registration application electronic document of the linked information to be stored in a predetermined electronic document storage, and the customer information, linked account information, and mileage information included in the linked information to be processed and stored in a predetermined storage medium. Specifically, after inputting (or selecting) the linking information corresponding to the linkage information registration application in the window terminal and transmitting the linkage information to the information registration server 1500, the link information registration application is transmitted through a predetermined image acquisition device. Acquire the corresponding predetermined image content and transfer it to the information registration server 1500. Method illustrates the embodiment of.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the linking information to the information registration server 1500 in the window terminal by referring to and / or modified in the drawings 20a and 20b It may be inferred, but the present invention encompasses all the inferred implementation methods, 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 window terminal acquires predetermined image contents corresponding to the linked information registration application through a predetermined image acquisition device, and / or the linked information registration application. Although a user interface for inputting (or selecting) corresponding linking information is illustrated and provided from the information registration server 1500, the user interface is provided with the information when a predetermined information registration program is provided in the window terminal. It does not have to be provided from the registration server 1500, and thereby the present invention is not limited.

In the following Figures 20a and 20b, the window terminal shown in Figure 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in Figure 15 is referred to as "server" for convenience. The customer information, the connection account information, and the mileage information transmitted to the information registration server 1500 are referred to as "association information" for convenience.

Referring to FIGS. 20A and 20B, linked information including at least one linked account information for a predetermined customer to withdraw a deposit of the linked account for a checking exchange settlement transaction, or mileage information for converting the mileage into cash If a completed application for registration of registration information including at least one of customer information, connection account information, and mileage information is submitted for registration, the teller terminal shown in FIG. 15 accesses the server through a predetermined financial network to provide a predetermined application. In a state in which the communication channel is connected, at least one connection account information for withdrawing the deposit of the connection account or mileage information for converting the mileage into cash for the checking exchange settlement transaction corresponding to the linked information registration application is made. Request user interface for registration Page 2000, and correspondingly, the server inputs (or selects) link information including at least one of customer information, link account information, and mileage information corresponding to the link information registration application created by the customer, and transmits the link information to the server. A user interface for generating (or extracting) a user interface (2005) and transmitting the generated (or extracted) user interface to the terminal through the financial network is outputted (2010).

Thereafter, the terminal inputs (or selects) linkage information including at least one of the customer information, the connection account information, and the mileage information through the user interface (2015).

If the link information including at least one of the customer information, the connection account information, and the mileage information is input (or selected) through the user interface (2020), the terminal inputs the data to the server through the financial network (or The selected association information is transmitted (2025).

Thereafter, the server receives and reads linkage information including at least one of the customer information, the linked account information, and the mileage information through the financial network to confirm the validity of the linked information (2030).

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 1525 may include, among the information included in the linkage information, the customer information (customer information, member information, etc.) of the ledger D / on the financial system 115 associated with the linkage information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

If the validity of the association information is not authenticated (2035), the server generates predetermined information registration error information and transmits it to the terminal (2040), and does not perform an information registration procedure corresponding to the association information.

On the other hand, if the validity of the linkage information is authenticated (2035), the server acquires the predetermined image content corresponding to the linkage information registration application written by the customer through a predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (2045), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (2050) and output.

Thereafter, the terminal acquires image content corresponding to the association information registration application through a predetermined image acquisition device based on the user interface in operation 2055.

If image content corresponding to the linked information registration application is obtained through the image acquisition device (2060), the terminal transmits the obtained image content to the server through the financial network (2065).

The server receiving the linkage information and the image content from the terminal generates a predetermined linkage information registration request electronic document including the image content (2070).

According to an embodiment of the present invention, the server withdraws the deposit of the linked account for the checking exchange payment transaction as it is the image file including the image content received from the information registration terminal 1580 through the image receiving unit. It is preferable to process the linkage information registration request electronic documents for linkage information registration, which comprises at least one or more of the linked account information, or mileage information for converting the mileage into cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Linking account information for withdrawing the deposit of the linked account for the checking and checking transaction of an image file corresponding to the image content including one or more information by watermarking, or mileage information for converting the mileage into cash. It is preferable to generate a linkage information registration application electronic document for registering linkage information comprising at least one or more.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or a PDF file) including the image content received from the information registration terminal 1580 through the image receiving unit. Withdraw the deposit of the linked account for the checking exchange settlement transaction by generating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to generate a linkage information registration application electronic document for linkage information registration comprising at least one or more linked account information, or mileage information for converting the mileage to cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content. Or linking account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction by generating a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, or the like. Linkage information including at least one mileage information for converting mileage into cash Related information to apply for registration it is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server includes a predetermined image including the image content received from the information registration terminal 1580 through the image receiving unit and the linkage information received through the information receiving unit 1515. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Linking information registration application electronic document for registration of linking information comprising at least one or more of the linked account information for withdrawing the deposit of the linked account, or the mileage information for converting the mileage into cash for the checking exchange settlement transaction; It is desirable to produce.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the associated information). Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), so as to withdraw the deposit of the linked account for the checking exchange settlement transaction. Account information or at least one mileage information for converting the mileage into cash It is desirable to create a linkage information registration application electronic documents for registration related information.

If the person skilled in the art of the present invention belongs to the technical features that the server generates the link information registration request electronic document in the image file format and / or a predetermined document file format, and the link information registration 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 linked information registration request electronic document in a predetermined electronic document storage (2075).

As shown in FIG. 15, the electronic document repository includes a predetermined electronic document server 1545 and an electronic document D / B 1656 linked to a server on the linked information registration system through predetermined communication means. When provided with, the server preferably transmits the generated link information registration request electronic document to the electronic document server 1545 through the communication means to store in the electronic document D / B (1656).

Alternatively, when the electronic document storage is provided on the DBMS provided in the linked information registration system, the server sends the generated linked information registration request electronic document to the electronic document storage on the DBMS provided in the linked information registration system. It is possible to store in the corresponding electronic document D / B 1656, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the linked information registration request electronic document in the electronic document repository may be performed by linking the generated linked information registration request electronic document and predetermined electronic document management information as illustrated in FIG. 15. It is preferable to include storing in the electronic document D / B (1656).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the linked information registration 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 linkage information registration application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a linked information registration application corresponding to the image content, and / or financial institution information for transmitting the linked information registration request electronic document, and And / or electronic document file format information, and / or the associated information.

If the electronic document registration request electronic document is stored in the electronic document storage (2080), the server processes the customer information, the linked account information, the mileage information included in the linked information to store in a predetermined storage medium 2085, generate (or extract) predetermined information registration history information (e.g., a history of storing the association information registration request electronic document in the electronic document repository, and / or a history of storing the association information in the storage medium) And transmits to the terminal (2090).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked with the linkage information registration system). The storage medium may be a ledger D / B provided in the DBMS on the financial system 115, 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 is provided on (or associated with) the linked information registration system, and / or a telebanking system, and / or a wireless banking system, and / or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

21A and 21B illustrate a process of registering linking information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 21A and 21B are window terminals provided with an information registration terminal 1580 on a linked information registration system shown in FIG. 15 at a financial institution branch (or a branch), and the information registration server 1500 is In the case of having a ledger server (not shown) function on the financial system 115 associated with a teller terminal through a predetermined financial network, a predetermined customer may withdraw a deposit of the linked account for a checking exchange payment transaction. Fill out and submit an application for registration of linking information including at least one of customer information, linking account information, and mileage information for linking information registration, which includes at least one linking account information or mileage information for converting mileage into cash. Predetermined image content corresponding to the link information registration application through a predetermined image acquisition device at a predetermined window terminal Acquiring an image, and providing the linkage information corresponding to the linkage information registration application and the image content obtained from the linkage information registration application to a linkage information registration system through a predetermined information registration interface. The method for generating an electronic document registration application electronic document of the linked information to be stored in a predetermined electronic document storage, and the customer information, linked account information, and mileage information included in the linked information to be processed and stored in a predetermined storage medium. Specifically, the predetermined information acquisition apparatus corresponding to the linkage information registration application is obtained through a predetermined image acquisition device at the counter terminal, and the link information corresponding to the linkage information registration application is input (or selected) to provide the information. The implementation method of transmitting to the registration server 1500 is illustrated.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the linkage information to the information registration server 1500 in the window terminal by referring to and / or modified in the drawings 21a and 21b It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 21A and 21B.

For example, in the implementation method shown in Figs. 21A and 21B, the window terminal acquires predetermined image contents corresponding to the linked information registration application through a predetermined image acquisition device, and / or the linked information registration application. Although a user interface for inputting (or selecting) corresponding linking information is illustrated and provided from the information registration server 1500, the user interface is provided with the information when a predetermined information registration program is provided in the window terminal. It does not need to be provided from the registration server 1500, and thereby the present invention is not limited.

In the following Figures 21a and 21b, the window terminal shown in Figure 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in Figure 15 is referred to as "server" for convenience, and in the window terminal The customer information, the connection account information, and the mileage information transmitted to the information registration server 1500 are referred to as "association information" for convenience.

21A and 21B, linked information including at least one connection account information for a predetermined customer to withdraw a deposit of the linked account for a checking exchange settlement transaction, or mileage information for converting the mileage into cash When the application for registration of registration information including at least one of customer information, connection account information, and mileage information is prepared and submitted for registration, the teller terminal shown in FIG. 15 accesses the server through a predetermined financial network, In a state in which the communication channel is connected, at least one connection account information for withdrawing the deposit of the connection account or mileage information for converting the mileage into cash for the checking exchange settlement transaction corresponding to the linked information registration application is made. Request user interface for linkage information registration Page 2100, correspondingly, the server inputs (or selects) linkage information corresponding to the linkage information registration application created by the customer in the terminal, and corresponds to the linkage information registration application through a predetermined image acquisition device. A user interface for acquiring and transmitting predetermined image content to the server is generated (or extracted) (2105), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (2110). ).

Thereafter, the terminal inputs (or selects) linkage information including at least one of the customer information, the connection account information, and the mileage information through the user interface (2115).

If the link information including at least one of the customer information, the connection account information, and the mileage information is input (or selected) through the user interface (2120), the terminal acquires a predetermined image obtaining apparatus based on the user interface. The image content corresponding to the linked information registration application is obtained through the method 2125.

If image content corresponding to the linkage information registration application is obtained through the image acquisition device (2130), the terminal transmits the linkage information and image content to the server through the financial network (2135).

Thereafter, the server receives and reads linkage information including at least one of the customer information, the linked account information, and the mileage information through the financial network to confirm the validity of the linked information (2140).

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 1525 may include, among the information included in the linkage information, the customer information (customer information, member information, etc.) of the ledger D / on the financial system 115 associated with the linkage information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking whether or not.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

If the validity of the association information is not authenticated (2145), the server generates predetermined information registration error information and transmits it to the terminal (2150), and does not perform an information registration procedure corresponding to the association information.

On the other hand, if the validity of the link information is authenticated (2145), the server generates a predetermined link information registration request electronic document containing the image content (2155).

According to an embodiment of the present invention, the server withdraws the deposit of the linked account for the checking exchange payment transaction as it is the image file including the image content received from the information registration terminal 1580 through the image receiving unit. It is preferable to process the linkage information registration request electronic documents for linkage information registration, which comprises at least one or more of the linked account information, or mileage information for converting the mileage into cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Linking account information for withdrawing the deposit of the linked account for the checking and checking transaction of an image file corresponding to the image content including one or more information by watermarking, or mileage information for converting the mileage into cash. It is preferable to generate a linkage information registration application electronic document for registering linkage information comprising at least one or more.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or a PDF file) including the image content received from the information registration terminal 1580 through the image receiving unit. Withdraw the deposit of the linked account for the checking exchange settlement transaction by generating an EDI (Electronic Data Interchange) file, a word processing file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to generate a linkage information registration application electronic document for linkage information registration comprising at least one or more linked account information, or mileage information for converting the mileage to cash.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the generated image content. Or linking account information for withdrawing the deposit of the linked account for the checking exchange settlement transaction by generating a word processing file including at least one or more HWP / DOC, or a web document file including the MHT, or the like. Linkage information including at least one mileage information for converting mileage into cash Related information to apply for registration it is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server includes a predetermined image including the image content received from the information registration terminal 1580 through the image receiving unit and the linkage information received through the information receiving unit 1515. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Linking information registration application electronic document for registration of linking information comprising at least one or more of the linked account information for withdrawing the deposit of the linked account, or the mileage information for converting the mileage into cash for the checking exchange settlement transaction; It is desirable to produce.

Alternatively, the server may include at least one of customer information, connection account information, and mileage information included in the link information received through the information receiver 1515 in the image content received from the information registration terminal 1580 through the image receiver. Generate image content including one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the associated information). Data Interchange) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), so as to withdraw the deposit of the linked account for the checking exchange settlement transaction. Account information or at least one mileage information for converting the mileage into cash It is desirable to create a linkage information registration application electronic documents for registration related information.

If the person skilled in the art of the present invention belongs to the technical features that the server generates the link information registration request electronic document in the image file format and / or a predetermined document file format, and the link information registration 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 linked information registration request electronic document in a predetermined electronic document storage (2160).

As shown in FIG. 15, the electronic document repository includes a predetermined electronic document server 1545 and an electronic document D / B 1656 linked to a server on the linked information registration system through predetermined communication means. When provided with, the server preferably transmits the generated link information registration request electronic document to the electronic document server 1545 through the communication means to store in the electronic document D / B (1656).

Alternatively, when the electronic document storage is provided on the DBMS provided in the linked information registration system, the server sends the generated linked information registration request electronic document to the electronic document storage on the DBMS provided in the linked information registration system. It is possible to store in the corresponding electronic document D / B 1656, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the linked information registration request electronic document in the electronic document repository may be performed by linking the generated linked information registration request electronic document and predetermined electronic document management information as illustrated in FIG. 15. It is preferable to include storing in the electronic document D / B (1656).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the linked information registration 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 linkage information registration application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a linked information registration application corresponding to the image content, and / or financial institution information for transmitting the linked information registration request electronic document, and And / or electronic document file format information, and / or the associated information.

If the link information registration request electronic document is stored in the electronic document storage (2165), the server processes the customer information, link account information, mileage information included in the link information to store in a predetermined storage medium; 2170, generating (or extracting) predetermined information registration history information (eg, a history of storing the linkage information registration request electronic document in the electronic document repository, and / or a history of storing the linkage information in the storage medium) And transmits it to the terminal (2175).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked with the linkage information registration system). The storage medium may be a ledger D / B provided in the DBMS on the financial system 115, 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 is provided on (or associated with) the linked information registration system, and / or a telebanking system, and / or a wireless banking system, and / or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

22 is a diagram illustrating a non-face-to-face linked information registration system for registering linked information including at least one of linked account information or mileage information according to another embodiment of the present invention.

In more detail, FIG. 22 illustrates that a predetermined customer includes at least one of customer information, linked account information, and mileage information for the customer information, the linked account information, and the mileage information to the linked information registration system through a predetermined information registration interface. When providing the linking information, the linkage information registration system generates a predetermined linkage information registration application electronic document including the provided linkage information and stores it in a predetermined electronic document repository, and the customer information and linkage included in the linkage information. A system configuration for cooperatively processing account information and mileage information and storing the data in a predetermined storage medium 2265. Specifically, the electronic document repository is stored on an external system connected to the linked information registration system through a predetermined communication means. It is about the implementation method provided.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 22 to infer various implementation methods for configuring a linked information registration system for customer information, linked account information, and mileage information. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 22 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the linked information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method illustrated in FIG. 22, the consultation before the linkage information registration application is illustrated as being generated by the server on the linkage information registration system, but the present invention is not limited thereto. The link information registration request electronic document may be generated at the terminal that inputs (or selects) the link information (for example, the terminal may have an electronic document generation function provided at the server side to register the link information). Generate an application electronic document), by which the present invention is not limited.

Hereinafter, receiving the linkage information from the customer through a linkage information registration system shown in FIG. 22 through the linkage information registration interface, generate a linkage information registration request electronic document, and store it in a predetermined electronic document repository. Components corresponding to at least one or more means and / or functional configurations for storing the linked information in the predetermined storage medium 2265 are referred to as "information registration server 2200" for convenience.

Referring to FIG. 22 according to an embodiment of the present invention, the linkage information registration system for the customer information, the linked account information, and the mileage information includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 2280 including at least one or more. The information registration terminal 2280 is an information registration server 2200 provided on the linked information registration system through a predetermined network means. ) And the communication channel are connected.

According to an exemplary embodiment of the present invention, the customer connects to the information registration server 2200 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the connection information for the customer information, the connection account information, and the mileage information is input (or selected) through at least one user interface provided by the information registration server 2200, the client terminal receives the information through a predetermined network means. It is preferable to transmit to the information registration server 2200 provided on the linked information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 120 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 120 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 120 connected to an x-based mobile Internet and / or all terminal devices 120 connected to an IEEE 802.11x-based wireless LAN, 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.

The information registration server 2200 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.

The network means for connecting the client terminal and the information registration server 2200 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based according to the type of wireless communication network to which the client terminal is connected. It is preferable that either the portable Internet and / or the IEEE 802.11x-based wireless LAN, and / or include all kinds of wireless communication networks proposed in the future, including a predetermined wireless section.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 2200, and inputs and / or selects at least one or more information through the user interface to the information registration server 2200. 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 2200, 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 linked information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the information registration server 2200. And / or the wireless communication network performs a function of an information registration interface for the customer to register linking information for the customer information, the connection account information, and the mileage information.

According to another exemplary embodiment of the present invention, the information registration terminal 2280 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. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as 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 linked information registration system as described above, when the information registration terminal 2280 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) are registered with the information. The financial network connecting the server 2200 performs a function of an information registration interface for the customer to register linking information for the customer information, the connection account information, and the mileage information, and / or the information registration terminal 2280. If 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 information registration server 2200 is the customer Performs a function of an information registration interface for registering linked information for information, linked account information, and mileage information, and / or with the financial institution that is the information registration terminal 2280. In the case of a terminal (and / or server) (not shown) provided in a suspended institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server The network connecting 2200 performs a function of an information registration interface for registering the link information for the customer information, the linked account information, and the mileage information.

The storage medium 2265 provided on the linked information registration system according to the present invention performs a predetermined process by linking the customer information, linked account information, and mileage information included in the linked information provided from the information registration terminal 2280. The storage medium 2265 is characterized in that the storage.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the linkage information registration application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 115 associated with the linked information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

According to one embodiment of the invention, the storage medium 2265 is preferably provided in the DBMS on the financial system 115 provided on the linkage information registration system (or linked to the linkage information registration system), In this case, the storage medium 2265 may be a ledger D / B provided in the DBMS on the financial system 115, and / or a predetermined database linked to the ledger D / B, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 2265 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the linked information registration system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

The information registration server 2200 provided on the linkage information registration system according to the present invention is a generic term for the linkage information registration system-side components connected to the information registration terminal 2280 through a predetermined network means. It may be implemented by including the above server (or 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), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 2280 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 2200. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accessible to the external system of the financial system 115 through the Internet banking system. A server (or device), a program included in the server (or device), and / or on the financial system 115 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system 115, thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 2200 is the wireless banking. A predetermined wireless banking server provided on the system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 115 through the wireless banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 115 accessible through the wireless banking server (and / or the server (or device)). Server (or device) and / or the program provided in the external world on the financial system 115, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2200 is the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or the financial system 115 through the telebanking system. A 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 financial system 115, and / or a program provided in the external system on the financial system 115, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 2280 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 2200 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 115 through the TV banking system. A foreign system on the financial system 115 that is a server (or device), a program included in the server (or device), and / or accessible through the TV 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 115, by which the present invention is not limited.

According to the method of the present invention, the information registration server 2200 is characterized in that it comprises an interface unit 2205 for connecting and managing a predetermined communication channel with the information registration terminal 2280 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 2280 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 2205 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 2205 connects a communication channel with the client terminal based on the TCP / IP protocol, A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 2200, the interface unit 2205 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 2280 is a financial automatic device connected to a predetermined financial network, the interface unit 2205 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2205 may include 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 provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2205 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 2200, the interface unit 2205 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2205 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 2205 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 information registration terminal 2280 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2205 may use a protocol defined in the TV banking system. Based on a stack, at least one or more pieces of information are connected using a communication protocol defined in a communication program provided in the wired terminal (or interactive digital TV) and a predetermined communication channel. Or data) communication interface for transmitting and receiving.

Referring to FIG. 22, when the predetermined information registration terminal 2280 connects a predetermined communication channel with the information registration server 2200 through the interface unit 2205, the customer registers the information registration server 2200. Generate (or extract) at least one user interface for inputting (or selecting) predetermined linking information from the information registration terminal 2280 for information, connection account information, and mileage information to be transmitted to the information registration server 2200. An interface providing unit 2210 for providing the generated (or extracted) user interface to the information registration terminal 2280 in association with the interface unit 2205, and the user at the information registration terminal 2280. When the linkage information is input (or selected) through an interface, the linkage information transmitted from the information registration terminal 2280 may be received in association with the interface unit 2205. And an information receiving unit (2215), which is characterized in that formed.

The interface providing unit 2210 connects a predetermined communication channel with the information registration server 2200 through the interface unit 2205 through the interface unit 2205, and then sends the information registration server 2200 to the information registration server 2200. When requesting a user interface for customer information, connection account information, and mileage information, the information registration terminal 2280 inputs (or selects) predetermined connection information to the information registration server 2200 through the network means. Generate at least one user interface for transmission, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 2205 via the network means. Characterized in that provided to the information registration terminal (2280).

According to an embodiment of the present invention, when the information registration terminal 2280 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2210 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2205.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a financial automation device connected to a predetermined financial network, the interface providing unit 2210 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 2205.

According to another embodiment of the present invention, when the information registration terminal 2280 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2210 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 2205.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2210 may include 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 2205 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 2280 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2210 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 2205. .

According to another exemplary embodiment of the present invention, at least one user interface may be input (or selected) to the information registration terminal 2280 and transmitted to the information registration server 2200 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined linkage information as described above to be transmitted to the information registration server 2200 is generated (or extracted) and the information registration terminal ( The interface providing unit 2210 provided to 2280 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 2280 inputs (or selects) the linkage information including at least one of the customer information, the connection account information, and the mileage information through the user interface, and the input (or the selected) linkage information. Is transmitted to the information registration server 2200 through the network means, and correspondingly, the information receiving unit 2215 transmits the linkage information transmitted from the information registration terminal 2280 in association with the interface unit 2205. It is characterized by receiving.

According to the exemplary embodiment of the present invention, the information registration terminal 2280 validates the validity of the linkage information in the information registration server 2200 to linkage information including at least one of the customer information, the connection account information, and the mileage information. The information registration server 2200 via the network means further includes at least one or more predetermined password and / or security card information for confirmation and / or an OTP code generated through a predetermined one time password (OTP) generator. Is preferred.

According to an embodiment of the present invention, the information registration terminal 2280 may include at least one encryption method (eg, a symmetric key based encryption method) and link information including at least one of the customer information, the connection account information, and the mileage information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or by attaching a predetermined electronic signature to the linkage information through the network means Preferably, the information registration server 2200 is transmitted to the information registration server 2200. For this purpose, the information registration terminal 2280 includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. If a predetermined certificate is provided, and / or if the certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the linked information, and the technical features of attaching a predetermined electronic signature to the linked information. Detailed description thereof will be omitted for convenience.

Referring to FIG. 22, when the linkage information transmitted from the information registration terminal 2280 is received through the information receiver 2215, the information registration server 2200 receives the linkage information as the customer information. Characterized in that it comprises a validity check unit 2220 to confirm whether the validity for the account information, mileage information.

According to an embodiment of the present invention, the linkage 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 exchange based method). When encrypted with an encryption method, the validity confirming unit 2220 may convert the encrypted linkage 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. 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 linkage information.

Alternatively, when a predetermined electronic signature is attached to the linkage information, the validity confirming unit 2220 may verify the validity of the received linkage information by confirming the digital signature attached to the linkage information.

Those skilled in the art will be familiar with the technical features of various decryption schemes for decrypting the encrypted linked information, and the technical features for confirming the electronic signature attached to the linked information. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the linkage information received through the information receiving unit 2215 further includes a predetermined password for confirming the validity of the linkage information, the validation check unit 2220 is the linkage It is preferable to authenticate the validity of the received linkage information by comparing and authenticating a password included in the information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the link information received through the information receiver 2215 further includes predetermined security card information for checking the validity of the link information, the validity check unit 2220 is included in the link information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received link information.

Alternatively, when the link information received through the information receiver 2215 further includes a predetermined OTP code for checking the validity of the link information, the validity check unit 2220 is included in the link information. It is preferable to authenticate the validity of the received linkage 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 the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 2220 may include, among the information included in the linked information, the customer information (customer personal information, member information, etc.) of the ledger D / on the financial system 115 associated with the linked information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

Referring to FIG. 22, when the validity of the linkage information is authenticated through the validity checker 2220, the information registration server 2200 generates a predetermined linkage information registration request electronic document including the received linkage information. And an electronic document transmission unit 2230 for transmitting the generated linked information registration request electronic document to an electronic document repository associated with the linked information registration system. .

The electronic document generating unit 2225 generates a linkage information registration request electronic document including the linkage information received from the information registration terminal 2280 through the information receiving unit 2215.

According to an exemplary embodiment of the present invention, the electronic document generation unit 2225 may include at least one document information including customer information, connection account information, and mileage information included in the connection information received through the information receiving unit 2215. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as the link information registration request electronic document for the customer information, linked account information, mileage information.

Alternatively, the electronic document generator 2225 generates document content including at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215, and the document content. After including at least one or more information of the customer information, linked account information, mileage information included in the linked information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF ( A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic application for linking information registration for information.

Alternatively, the electronic document generator 2225 generates document content including at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215, and the document content. Processing the image file including the captured image content (e.g., the image content generated by capturing the document content in memory) into an electronic document for requesting connection information registration for the customer information, the linked account information, and the mileage information. It is desirable to.

Alternatively, the electronic document generator 2225 generates document content including at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215, and the document content. Watermarking at least one of customer information, linked account information, and mileage information included in the linkage information to the captured image content (for example, the image content generated by capturing the document content on a memory). After the method is included, it is preferable to process the image file including the image content including the watermarking as the link information registration request electronic document for the customer information, the link account information, and the mileage information.

According to another exemplary embodiment of the present invention, the electronic document generation unit 2225 may include at least one document including customer information, connection account information, and mileage information included in the connection information received through the information receiving unit 2215. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., 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 or more of HWP / DOC, or a web document file including MHT), for the customer information, linked account information, and mileage information. It is desirable to process the electronic application for linking information registration.

Alternatively, the electronic document generator 2225 generates document content including at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215, and the document content. Watermarking at least one of customer information, linked account information, and mileage information included in the linkage information to the captured image content (for example, the image content generated by capturing the document content on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generating a word processor file including at least one or a web document file including an MHT); RESULTS account information, related information registered for the mileage information is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generator 2225 includes at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215. A document file (for example, PDF (Portable)) containing document content generated from the document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the link information. A document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). For example, it is preferable to process the electronic application for linking information registration for mileage information.

Alternatively, the electronic document generator 2225 generates document content including at least one of customer information, linked account information, and mileage information included in the linked information received through the information receiver 2215, and the document content. Watermarking at least one of customer information, linked account information, and mileage information included in the linkage information to the captured image content (for example, the image content generated by capturing the document content on a memory). A document file including the watermarking and the linkage information (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP). By generating a word processor file including at least one / DOC or the like, or a web document file including the MHT, To process information associated with electronic documents for registration application based customer information, account information, connect, mileage information is desirable.

If the person skilled in the art to which the present invention pertains, the electronic document generating unit 2225 generates a technical file of the link information registration request electronic document of the image file format and / or a predetermined document file format, and Since the technical characteristics of the file format of the image file and / or the document file corresponding to the electronic document for registering the linkage information will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 2230 transmits and stores the linked information registration request electronic document generated by the electronic document generating unit 2225 to a predetermined electronic document repository associated with the linked information registration system. do.

As shown in FIG. 22, the electronic document repository is connected to the information registration server 2200 on the linked information registration system through a predetermined communication means, and the electronic document D / B 2260. When provided to the outside, the electronic document transmission unit 2230 is the electronic document server 2240 via the communication means for the link information registration request electronic document generated by the electronic document generation unit 2225 It is characterized in that for transmitting.

Here, when the electronic document server 2240 and the electronic document D / B 2260 is provided outside the linkage information registration system, the electronic document server 2240 and the electronic document D / B (2260) 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 linked information registration system, the electronic document transmitting unit 2230 is generated by the electronic document generating unit 2225. The linked information registration request electronic document may be stored in the electronic document D / B 2260 corresponding to the electronic document storage on the DBMS provided in the linked information registration system, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the electronic document transmission unit 2230 is electronic document related information for generating predetermined electronic document management information in the electronic document server 2240 (for example, inputting (selecting) the linkage information). And the customer information, and / or financial institution information, and / or electronic document file format information, and / or the linking information, etc. for transmitting the linked information registration request electronic document, and the like. The present invention is not limited thereto.

Referring to FIG. 22, the information registration server 2200 has validity for the customer information, the connection account information, and the mileage information through the validity confirming unit 2220. If authenticated, characterized in that it comprises an information storage unit 2235 for storing in a predetermined storage medium 2265 by processing the customer information, linked account information, mileage information included in the linked information is validated validity do.

When the validity of the linked information is confirmed by the validity confirming unit 2220, the information storage unit 2235 links and processes the customer information, the linked account information, and the mileage information included in the linked information. 2265, and when the storage medium 2265 is provided in the information registration server 2200 or on a network associated with the information registration server 2200, the information storage unit ( 2235 is preferably stored in the storage medium 2265 by processing the customer information, the connection account information, the mileage information included in the received link information, the storage medium 2265 on the financial system 115 When provided in the DBMS provided in the, the information storage unit 2235 is the customer information, the connection account information, the mileage information included in the received linkage information to the information system through the external system on the financial system 115 And it is preferably stored in a DBMS provided on the financial system 115.

Referring to FIG. 22, an electronic document which receives a predetermined link information registration request electronic document from the information registration server 2200 provided on the link information registration system and stores and manages it in a predetermined electronic document D / B 2260 The document server 2240 may include an electronic document receiving unit 2245 for receiving a predetermined link information registration request electronic document from the information registration server 2200 through a predetermined communication means, and the received link information registration request electronic document. An information generation unit 2250 for generating predetermined electronic document management information for storing and managing the electronic document D / B 2260, and the electronic document management information and the linkage information registration application electronic document are processed in a predetermined manner. And an electronic document storage unit 2255 for storing in the electronic document D / B 2260.

The electronic document receiving unit 2245 may receive the connection information registration request electronic document in the form of an image file and / or a document file from the information registration server 2200 through the communication means.

According to an embodiment of the present invention, the link information registration request electronic document received by the electronic document receiving unit 2245 through the communication means is linked to the information registration server 2200 received from the information registration terminal 2280 Document files (eg, Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWP / DOC) containing document contents including at least one of customer information, linked account information, and mileage information included in the information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the electronic document receiving unit 2245 receives the link information registration request electronic document through the communication means is the customer information included in the link information received by the information registration server 2200 from the information registration terminal 2280, After the watermarking method includes at least one or more of the customer information, the linked account information, and the mileage information included in the linked information in a document content including at least one of linked account information and mileage information, the watermarking is performed. Document files containing the document content included (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more, such as HWP / DOC, or the Web including the MHT) Document files).

Alternatively, the electronic document receiving unit 2245 receives the link information registration request electronic document through the communication means is the customer information included in the link information received by the information registration server 2200 from the information registration terminal 2280, It is preferable to include an image file including image content (e.g., image content generated by capturing the document content in memory) which captures document content including at least one connection account information and mileage information. .

Alternatively, the electronic document receiving unit 2245 receives the link information registration request electronic document through the communication means is the customer information included in the link information received by the information registration server 2200 from the information registration terminal 2280, Customer information and connection account included in the linkage information in the image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one connection account information and mileage information. After at least one of the information and the mileage information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the link information registration request electronic document received by the electronic document receiving unit 2245 through the communication means is received by the information registration server 2200 from the information registration terminal 2280. Predetermined image content (e.g., image content generated by capturing the document content in memory) by capturing document content including at least one of customer information, linked account information, and mileage information included in the linked information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the electronic document receiving unit 2245 receives the link information registration request electronic document through the communication means is the customer information included in the link information received by the information registration server 2200 from the information registration terminal 2280, Customer information and connection account included in the linkage information in the image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one connection account information and mileage information. Generating an image content including at least one of information and mileage information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the watermarking-containing image content, or EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or MHT Web document files, etc.) to be included.

According to another embodiment of the present invention, the link registration information electronic document received by the electronic document receiving unit 2245 through the communication means is received by the information registration server 2200 from the information registration terminal 2280 The linkage with image content (eg, image content generated by capturing the document content in a memory) which captures document content including at least one of customer information, linked account information, and mileage information included in one linking information. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the electronic document receiving unit 2245 receives the link information registration request electronic document through the communication means is the customer information included in the link information received by the information registration server 2200 from the information registration terminal 2280, Customer information and connection account included in the linkage information in the image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one connection account information and mileage information. Generating image content including at least one of information and mileage information by a watermarking method, and a document file (eg, PDF (Portable Document Format) including the watermarking-containing image content and the linkage information. ) Or a word processor including at least one of an EDI (Electronic Data Interchange) file or an HWP / DOC file. It is preferred which comprises a web page file, and so on) containing the file, or MHT.

The information generating unit 2250 is a predetermined electronic document unique number (or unique information) to be assigned to the linkage information registration request electronic document received through the electronic document receiving unit 2245, and through the electronic document receiving unit 2245 And generating electronic document management information including electronic document storage date and time information including a date and time at which the linked information registration request electronic document is received (or a date and time at which the linked information registration request electronic document is stored). .

According to an exemplary embodiment of the present invention, the information generating unit 2250 refers to the information registration server 2200 that transmits the connection information registration request electronic document received through the electronic document receiving unit 2245 and the link information. It is preferable to confirm the financial institution that sent the registration application electronic document, and to 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 information registration server 2200 through the electronic document receiving unit 2245, the information generating unit 2250 may receive the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the linked information, and / or financial institution information transmitting the linked information registration request electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the link information).

The electronic document storage unit 2255 associates the electronic document management information generated through the information generating unit 2250 with the link information registration request electronic document received through the electronic document receiving unit 2245 and performs a predetermined electronic document. It stores in the D / B (2260).

According to an embodiment of the present invention, the information registration server 2200 is the information registration terminal (2) for the link information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) file) containing document content including at least one of customer information, linked account information, and mileage information included in the linked information received from 2280. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the linked information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255 may be linked by the information registration server 2200 received from the information registration terminal 2280. Watermarking methods include at least one of customer information, linked account information, and mileage information included in the linked information in document content including at least one of customer information, linked account information, and mileage information included in the information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the linked information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255 may be linked information received by the information registration server 2200 from the information registration terminal 2280. An image file including image content (eg, image content generated by capturing the document content in memory) captured by document content including at least one of customer information, connection account information, and mileage information included in It is preferable to comprise.

Alternatively, the linked information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255 may be linked information received by the information registration server 2200 from the information registration terminal 2280. The image information (eg, image content generated by capturing the document content in memory) captured by the document content including at least one of customer information, linked account information, and mileage information included in the linkage information. After including at least one or more of the included customer information, connection account information, mileage information in a watermarking (Watermarking) method, and preferably comprises an image file containing the image content including the watermarking.

According to another exemplary embodiment of the present invention, the information registration server 2200 registers the information on the connection information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255. Image content (eg, generated by capturing the document content in memory by capturing document content including at least one of customer information, connection account information, and mileage information included in the linkage information received from the terminal 2280). 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 linked information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255 may be linked information received by the information registration server 2200 from the information registration terminal 2280. The image information (eg, image content generated by capturing the document content in memory) captured by the document content including at least one of customer information, linked account information, and mileage information included in the linkage information. Create a document content including at least one or more of the included customer information, connection account information, mileage information in a watermarking method, and a document file (for example, PDF ( A word processor file including at least one of a Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like, or an MH. Web document file including T).

According to another exemplary embodiment of the present invention, the information registration server 2200 registers the information in the connection information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255. Image content (eg, generated by capturing the document content in memory by capturing document content including at least one of customer information, connection account information, and mileage information included in the linkage information received from the terminal 2280). A word processor file including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content) and the linking information; or Web document file including MHT).

Alternatively, the linked information registration request electronic document stored in the electronic document D / B 2260 by the electronic document storage unit 2255 may be linked by the information registration server 2200 received from the information registration terminal 2280. The image information (eg, image content generated by capturing the document content in the memory) captured by the document content including at least one of customer information, connection account information, and mileage information included in the information. A document file including image information including the watermarking and at least one or more of the included customer information, linked account information, and mileage information by a watermarking method, and a document file including the linking information ( For example, WordPro including at least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC. It comprises a document file, or web page file, and so on) containing the MHT is preferred.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2260 by the electronic document storage unit 2255 in association with the electronic document registration request electronic document is stored in the associated information registration. 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 the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 2260 by the electronic document storage unit 2255 for processing the linkage information registration request electronic document is stored in the linkage information. It is preferable that the financial institution further includes information on the financial institution that transmits the linkage information registration application electronic document confirmed with reference to the information registration server 2200 that transmitted the registration application electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 2200, the electronic document storage unit 2255 processes the linked information registration request electronic document by The electronic document management information stored in the electronic document D / B 2260 may include information about the received electronic document (for example, customer information transmitted by inputting (selecting) the link information, and / or the link information registration request). Financial institution information for transmitting the electronic document, and / or the electronic document file format information, and / or the linking information).

23 is a ledger D / B 2300 provided in a DBMS on a financial system 115 in a non-face-to-face manner for registering linked information including at least one of linked account information or mileage information according to an embodiment of the present invention. FIG. Is a diagram illustrating a configuration of linked information stored in FIG.

More specifically, in FIG. 23, when the storage medium 2265 illustrated in FIG. 22 is the ledger D / B 2300 provided in the DBMS on the financial system 115, the ledger D / B 2300 is provided. As the information structure for one embodiment of the method of storing the linked information including the customer information, the linked account information, the mileage information in the ledger information, if the person having ordinary knowledge in the technical field to which the present invention belongs, 23 may be deduced by referring to and / or modifying various information forming methods for storing the linked information in the ledger D / B 2300. However, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in 23.

Referring to FIG. 23 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2300 provided in the DBMS on the financial system 115 may include a predetermined customer ledger and an account associated with the customer ledger. Ledger (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person of ordinary skill in the art to which the present invention belongs, the financial system 115 Ledger D / B (2300) provided in the DBMS on the) at least one or more ledgers (for example, loan ledger, mortgage ledger, ... etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 23 It will be apparent that at least one additional information for maintenance and management is further included, and the specific technical matters for this will be understood. Omit 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, area 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. It includes at least one 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. 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 form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bankbook Balance, Bank Account Number, Interest Rate, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, Number of Unpaid Transactions, Interest System Account, Consolidation, Final Payment Interest, Final Payment It includes at least one transaction number, individual interest rate reference, and the date of final interest calculation, and at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic receipt information, and / or trust receipt 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. Account number, transaction number, date, point number, product type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, summary, CIF, etc. This includes transaction details.

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. 23, the link information provided through the link information registration system shown in FIG. 22 may be stored in the form of additional information added to the account ledger. The link information may include customer information, link account information, Characterized in that it comprises at least one mileage information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

* The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage in the connection account for the checking exchange settlement transaction, preferably comprising at least one customer information, mileage connection information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the linkage information registration application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 115 associated with the linked information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

According to another exemplary embodiment of the present invention, the linkage information may be 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 can be stored in the form of information, and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, whereby the present invention is not limited.

24 illustrates a ledger D / B provided in a DBMS on a financial system 115 in a non-face-to-face manner for registering linked information including at least one of linked account information or mileage information according to another embodiment of the present invention. 2A and 2B illustrate a structure of linkage information stored in a database associated with 2400.

More specifically, FIG. 24 shows an embodiment in which the storage medium 2405 shown in FIG. 22 is stored in a predetermined database linked to the ledger D / B 2400 of the DBMS on the financial system 115. As shown in FIG. 24, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 24 and transmit the linking information to a predetermined database with the ledger D / B 2400. It is possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 24, when it is not easy to store the linkage information in the ledger information of the ledger D / B 2400 on the DBMS provided on the financial system 115 (for example, the policy of the financial institution may be If it is not easy to change the ledger D / B 2400, or the system expansion is not easy due to the characteristics of the financial system 115), the linkage information may be added to a predetermined database instead of the ledger D / B 2400. And an implementation method of storing the database in association with the ledger D / B 2400.

In addition, the database shown in FIG. 24 does not have to be provided on the DBMS provided on the financial system 115 as in the embodiment shown in FIG. 24, 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. 24, the database may store and store the customer information, the linked account information, and the mileage information included in the linked information, and the linked information is linked to the ledger D / B 2400. Preferably, the linkage information further includes a CIF number corresponding to the ledger information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information about the mileage for converting a predetermined mileage into cash and depositing the mileage into the connection account for a checking exchange settlement transaction, preferably comprising at least one customer information and mileage connection information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the linkage information registration application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 115 associated with the linked information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

FIG. 25 is a diagram illustrating link information stored in a DBMS provided in a banking server 2500 in a non-face-to-face manner for registering link information including at least one connection account information or mileage information according to another embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 25 illustrates a predetermined banking server 2500 in which the storage medium shown in FIG. 22 is 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 that is provided in the), those skilled in the art to which the present invention belongs, at least one or more banking server (2500) by referring to and / or modified in this figure 25 It is possible to infer a method of configuring information on the linked information stored in a predetermined DBMS provided in the present invention. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 25, a predetermined DBMS provided in the banking server 2500 may store and store customer information, connection account information, and mileage information included in the link information.

The linked account information is a target account for withdrawing a deposit from a predetermined financial account for a checking exchange settlement transaction, and preferably includes at least one account number and customer information about the financial account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is information on the mileage for converting a predetermined mileage into cash for the checking exchange settlement transaction and deposit the mileage into the connected account, preferably comprising at least one customer information, mileage connection information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the linkage information registration application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system 115 associated with the linked information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

26A and 26B illustrate a process of registering link information in a non-face-to-face manner for registering link information including at least one of linked account information or mileage information according to an embodiment of the present invention.

In more detail, in FIG. 26A and FIG. 26B, the information registration terminal 2280 on the linked information registration system shown in FIG. 22 is a client terminal, and the information registration server 2200 is connected to a client terminal through a predetermined network means. In the case of having a possible web server function, a predetermined customer includes linkage information including at least one of customer information, connection account information, and mileage information through the client terminal for the customer information, connection account information, and mileage information. If provided, the linkage information registration system generates a linkage information registration request electronic document including the linkage information provided and stores it in a predetermined electronic document repository, and the customer information and linkage account information included in the linkage information. The present invention relates to an implementation method of linking and processing mileage information in a predetermined storage medium. Those skilled in the art to which the present invention pertains can implement various methods of registering the linkage information from the client terminal to the information registration server 2200 by referring to and / or modifying the drawings 26a and 26b. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 26A and 26B.

For example, in the method shown in FIGS. 26A and 26B, the client terminal receives a user interface for inputting (or selecting) the linkage information through a predetermined web page provided by the information registration server 2200. Although illustrated and described, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 2200, and the present invention is not limited thereto.

Hereinafter, in FIGS. 26A and 26B, the client terminal shown in FIG. 22 is referred to as a "terminal" for convenience, and the information registration server 2200 shown in FIG. 22 is referred to as a "server" for convenience. The customer information, the connection account information, and the mileage information transmitted to the information registration server 2200 are referred to as "association information" for convenience.

Referring to FIGS. 26A and 26B, when the client terminal illustrated in FIG. 22 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or IEEE 802.16x based portable Internet, and / or IEEE 802.11x based wireless LAN, etc. When a web page including a user interface for information, connection account information, and mileage information is requested (2600), the server inputs linkage information including at least one of the customer information, connection account information, and mileage information. Generating (or extracting) a web page including a user interface for (or selecting) and transmitting to the server (2605), and the network means And transmits the web page containing the created user interface (or extract) to the terminal to output through 2610.

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 association information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) linking information including at least one or more customer information, connection account information, and mileage information through the user interface included in the web page (2615).

If the terminal inputs (or selects) link information including the customer information, the connection account information, and the mileage information through the user interface (2620), the terminal inputs (or selects) the information through the communication channel. Customer information, connection account information, and mileage information are transmitted to the server (2625).

According to an embodiment of the present invention, the terminal is a predetermined password and / or security for confirming the validity of the linkage information in the server to the linkage information including at least one of the customer information, connection account information, mileage information At least one or more card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based connection information including at least one of the customer information, the connection account information, and the mileage information). An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the linkage information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate Is provided in a predetermined IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based connection information including at least one of the customer information, the connection account information, and the mileage information). An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key, and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the linked information, and the technical features of attaching a predetermined electronic signature to the linked information. Detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the connection account information, and the mileage information through the communication channel to check the validity of the link information (2630).

According to an embodiment of the present invention, the linkage 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 exchange based method). When encrypted with an encryption method, the server may convert the encrypted linkage 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 It is preferable to authenticate the validity of the received linkage information by decrypting using an electronic envelope-based decryption scheme, and / or a key exchange-based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the linkage information, the server may verify the validity of the received linkage information by checking the electronic signature attached to the linkage information.

Those skilled in the art will be familiar with the technical features of various decryption schemes for decrypting the encrypted linked information, and the technical features for confirming the electronic signature attached to the linked information. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the linkage information received through the information receiving unit 2215 further includes a predetermined password for checking the validity of the linkage information, the server is included in the linkage information and received. By comparing and authenticating the password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received link information.

Alternatively, when the connection information received through the information receiving unit 2215 further includes predetermined security card information for checking the validity of the connection information, the server includes the received security card included in the connection information. By comparing and authenticating information and security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received link information.

Alternatively, when the linkage information received through the information receiver 2215 further includes a predetermined OTP code for checking the validity of the linkage information, the server may include the received OTP code included in the linkage information. It is preferable to authenticate the validity of the received linkage information by comparing and authenticating an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 2220 may include, among the information included in the linked information, the customer information (customer personal information, member information, etc.) of the ledger D / on the financial system 115 associated with the linked information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

If the validity of the linkage information is not authenticated (2635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2640), and the information registration procedure corresponding to the linkage information is performed. Do not do it.

On the other hand, if the validity of the linkage information is authenticated (2635), the server generates predetermined document content including at least one or more customer information, linkage account information, mileage information including the linkage information (2645), and A predetermined link information registration request electronic document including the document content is generated (2650).

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information, connection account information, mileage information included in the received linkage information, a document file containing the document content ( For example, 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). It is preferable to process the electronic document for registration information for link information for account information and mileage information.

Alternatively, the server generates document content including at least one of customer information, linked account information, and mileage information included in the received linked information, and the customer information and linked account information included in the linked information in the document content. A document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange)) containing document content including the watermarking after including at least one piece of mileage information in a watermarking manner. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc. desirable.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing contents in a memory into the linked information registration request electronic document for the customer information, the linked account information, and the mileage information.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). Image content generated by capturing content in a memory) and including at least one or more of the customer information, the linked account information, and the mileage information included in the linked information in a watermarking manner, and then the image including the watermarking. It is preferable to process the image file containing the content as the link information registration request electronic document for the customer information, linked account information, mileage information.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linked information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content in memory). By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the link information registration request electronic document for the customer information, linked account information, mileage information.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). Image content generated by capturing content in memory and generating at least one of at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner, A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Linking for the customer information, linked account information, and mileage information Bo Registration is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content (eg, image content generated by capturing the document content in a memory) and the linking information. , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the request as an electronic document for registration of linked information for the customer information, linked account information, and mileage information. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). Image content generated by capturing content in memory and generating at least one of at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner, A word processor file including at least one image file including watermarking and a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the linking information. , Or a web document file including the MHT), the customer information, the linked account information, the mileage Related information for registration information is preferable to apply processing to electronic documents.

If the person skilled in the art of the present invention belongs to the technical features that the server generates the link information registration request electronic document in the image file format and / or a predetermined document file format, and the link information registration 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 linked information registration request electronic document in a predetermined electronic document storage (2655).

As shown in FIG. 22, the electronic document repository includes a predetermined electronic document server 2240 and an electronic document D / B 2260 associated with a server on the linked information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated link information registration request electronic document to the electronic document server 2240 through the communication means to store in the electronic document D / B (2260).

Alternatively, when the electronic document storage is provided on the DBMS provided in the linked information registration system, the server sends the generated linked information registration request electronic document to the electronic document storage on the DBMS provided in the linked information registration system. It is possible to store in the corresponding electronic document D / B 2260, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the linked information registration request electronic document in the electronic document storage is illustrated in FIG. 22 by linking the generated linked information registration request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (2260).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the linked information registration 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 linkage information registration application electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the link information, and / or financial institution information transmitting the link information registration request electronic document, and / Or electronic document file format information, and / or the linking information).

If the linked information registration request electronic document is stored in the electronic document store (2660), the server processes the customer information, linked account information, and mileage information included in the linked information in a predetermined storage medium. 2665, generating (or extracting) predetermined information registration history information (eg, a history of storing the connection information registration request electronic document in the electronic document repository, and / or a history of storing the connection information in the storage medium); And transmits it to the terminal (2670).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked with the linkage information registration system). The storage medium may be a ledger D / B provided in the DBMS on the financial system 115, 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 is provided on (or associated with) the linked information registration system, and / or a telebanking system, and / or a wireless banking system, and / or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

27A, 27B, and 27C illustrate a process of registering link information through a non-face-to-face financial transaction channel for registering link information including at least one of linked account information or mileage information according to an embodiment of the present invention. Figure is shown.

In more detail, FIGS. 27A, 27B, and 27C illustrate a case in which the linkage information registration system shown in FIG. 22 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, linkage information registration shown in FIG. 22). In the case where the information registration server 2200 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. Then, when the client terminal transmits the predetermined linking information for the customer information, the connection account information, the mileage information to the Internet banking server, the predetermined linking information registration request including the received linking information from the Internet banking server Create an electronic document and store it in a predetermined electronic document repository, and the customer information and linked account included in the linked information An embodiment of the present invention relates to an embodiment of a method of linking and storing mileage information in a predetermined storage medium. Those skilled in the art may refer to and / or refer to FIGS. 27A, 27B, and 27C. Various implementation methods for registering the linkage information through other types of non-face-to-face financial transaction channels may be inferred, but the present invention includes all the implementation methods inferred from the figures 27a, 27b and 27c. It is not limited to the implementation method shown by.

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. 27A, 27B, and 27C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering linkage information between the client terminal and the internet banking server based on the browser program is illustrated, the person having ordinary knowledge in the technical field to which the present invention pertains, The client terminal and the Internet 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. 27A, 27B, and 27C. Between banking servers Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for account registration, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It 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 27a, 27b and 27c, Although other banking systems 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-face-to-face channel-based financial transaction channel for linkage information registration, the present invention may infer It includes all types of non-face-to-face channel based financial transactions, including banking systems and / or wireless banking systems and / or TV banking systems and / or future proposed non-face-to-face banking systems. And the Internet banking shown in FIGS. 27B and 27C are not limited thereto.

In the following Figures 27A, 27B and 27C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 2200 is referred to as "server" for convenience.

Referring to FIGS. 27A, 27B and 27C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2700a), the server connects the terminal and the server through the browser. (2705a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. It means that a predetermined communication session is allocated so that the provided browser program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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 (2710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (2715a), 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 (2720a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2725a), or if the terminal does not need to install and / or update the Internet banking security module (2715a), 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 (2730a), 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 to decode the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm, and also to provide information (or Attaching a predetermined digital signature to 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 Means 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 Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided from the terminal to the server for linkage information registration ( Or attach a predetermined digital signature to the data) and / or at least one encryption If the transmission is encrypted by a method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

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 (2735a).

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 (2740a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face channel-based financial transactions based on the customer authentication data received from the terminal (2745a).

* If the Internet banking customer authentication fails (2750a), the server blocks the Internet banking security channel for the terminal (2755a), so that the Internet banking-based financial transactions are processed through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2750a), 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 (2760a), where the Internet banking based The financial transaction channel refers to a communication channel through which predetermined connection information for customer information, connection account information and mileage information can be transmitted and registered from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for the customer information, connection account information, and mileage information to the server through an internet banking-based financial transaction channel (2700b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) link information including at least one of information, connection account information, and mileage information to the server (2705b); The web page including the generated (or extracted) user interface is transmitted to the terminal through the base financial transaction channel and output (2710b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) link information including at least one of customer information, linked account information, and mileage information in the terminal, and And / or predetermined password and / or security card information (e.g., security card information printed on a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the linked information. And / or a user who enters a One Time Password (eg, an One Time Password generated by 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 an interface.

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

Thereafter, the terminal inputs (or selects) linkage information including at least one of the customer information, the connection account information, and the mileage information through the information registration interface (2715b).

If the terminal inputs (or selects) the link information including the customer information, the connection account information, and the mileage information through the user interface (2720b), the terminal inputs (or selects) the information through the financial transaction channel. The linked information is transmitted to the server (2725b).

According to an embodiment of the present invention, the terminal is a predetermined password and / or security for confirming the validity of the linkage information in the server to the linkage information including at least one of the customer information, connection account information, mileage information At least one or more card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based connection information including at least one of the customer information, the connection account information, and the mileage information). An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the linkage information to transmit to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is When provided in a predetermined IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is equipped with a card reader for cut group is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based connection information including at least one of the customer information, the connection account information, and the mileage information). An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key, and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the linked information, and the technical features of attaching a predetermined electronic signature to the linked information. Detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the linkage information through the financial transaction channel to confirm the validity of the linkage information (2730b).

According to an embodiment of the present invention, the linkage 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 exchange based method). When encrypted with an encryption method, the server may convert the encrypted linkage 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 It is preferable to authenticate the validity of the received linkage information by decrypting using an electronic envelope-based decryption scheme, and / or a key exchange-based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the linkage information, the server may verify the validity of the received linkage information by confirming the electronic signature attached to the linkage information.

Those skilled in the art will be familiar with the technical features of various decryption schemes for decrypting the encrypted linked information, and the technical features for confirming the electronic signature attached to the linked information. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the linkage information received through the information receiving unit 2215 further includes a predetermined password for checking the validity of the linkage information, the server is included in the linkage information and received. By comparing and authenticating the password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received link information.

Alternatively, when the connection information received through the information receiving unit 2215 further includes predetermined security card information for checking the validity of the connection information, the server includes the received security card included in the connection information. By comparing and authenticating information and security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received link information.

Alternatively, when the linkage information received through the information receiver 2215 further includes a predetermined OTP code for checking the validity of the linkage information, the server may include the received OTP code included in the linkage information. It is preferable to authenticate the validity of the received linkage information by comparing and authenticating an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity check of the linkage information is whether at least one ledger information matching the linkage information is registered in the ledger D / B on the financial system 115 associated with the linkage information registration system. It is preferable to include checking.

For example, the validity confirming unit 2220 may include, among the information included in the linked information, the customer information (customer personal information, member information, etc.) of the ledger D / on the financial system 115 associated with the linked information registration system. It is preferable to include checking whether the match with the customer ledger stored in B.

Also, among the information included in the linked information, the validity check of the linked account information is matched with the account ledger associated with the customer ledger stored in the ledger D / B on the financial system 115 linked with the linked information registration system. It is preferable to include checking.

Further, among the information included in the linkage information, the validity check on the mileage information confirms whether or not the customer information stored in the D / B on a predetermined mileage providing system (not shown) associated with the linkage information registration system is matched. It is preferable to comprise.

If the validity of the linkage information is not authenticated (2735b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2740b), and the information registration procedure corresponding to the linkage information is performed. Do not do it.

On the other hand, if the validity of the linkage information is authenticated (2735b), the server generates predetermined document content including at least one or more customer information, linkage account information, mileage information including the linkage information (2745b), and A predetermined link information registration request electronic document including the document content is generated (2750c).

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information, connection account information, mileage information included in the received linkage information, a document file containing the document content ( For example, 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). It is preferable to process the electronic document for registration information for link information for account information and mileage information.

Alternatively, the server generates document content including at least one of customer information, linked account information, and mileage information included in the received linked information, and the customer information and linked account information included in the linked information in the document content. A document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange)) containing document content including the watermarking after including at least one piece of mileage information in a watermarking manner. File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc. desirable.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing contents in a memory into the linked information registration request electronic document for the customer information, the linked account information, and the mileage information.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document content). Image content generated by capturing document content in a memory) including at least one or more of the customer information, the linked account information, and the mileage information included in the linked information by a watermarking method, and then including the watermarking. It is preferable to process the image file including the image content as the link information registration request electronic document for the customer information, the linked account information, the mileage information.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linked information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content in memory). By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to process the link information registration request electronic document for the customer information, linked account information, mileage information.

Alternatively, the server may generate document content including at least one of customer information, connection account information, and mileage information included in the received linked information, and capture image content (eg, the document content). Image content generated by capturing document content in memory and generating at least one of at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner, A document file including image content including watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. Linking for the customer information, the linked account information, and the mileage information Bo Registration is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content (eg, image content generated by capturing the document content in a memory) and the linking information. , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like, and process the request as an electronic document for registration of linked information for the customer information, linked account information, and mileage information. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, connection account information, and mileage information included in the received linkage information, and captures the image content (eg, the document). Image content generated by capturing content in memory and generating at least one of at least one of customer information, linked account information, and mileage information included in the linked information in a watermarking manner. A word file including at least one image file including marking and a document file including the linking information (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC); Or the web document file including the MHT), the customer information, the linked account information, the mileage Related information for registration information is preferable to apply processing to electronic documents.

If the person skilled in the art of the present invention belongs to the technical features that the server generates the link information registration request electronic document in the image file format and / or a predetermined document file format, and the link information registration 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 link information registration request electronic document in a predetermined electronic document storage (2755c).

As shown in FIG. 22, the electronic document repository includes a predetermined electronic document server 2240 and an electronic document D / B 2260 associated with a server on the linked information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated link information registration request electronic document to the electronic document server 2240 through the communication means to store in the electronic document D / B (2260).

Alternatively, when the electronic document storage is provided on the DBMS provided in the linked information registration system, the server sends the generated linked information registration request electronic document to the electronic document storage on the DBMS provided in the linked information registration system. It is possible to store in the corresponding electronic document D / B 2260, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the linked information registration request electronic document in the electronic document storage is illustrated in FIG. 22 by linking the generated linked information registration request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (2260).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the linked information registration 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 linkage information registration application electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the link information, and / or financial institution information transmitting the link information registration request electronic document, and / Or electronic document file format information, and / or the linking information).

If the linked information registration request electronic document is stored in the electronic document repository (2760c), the server processes the customer information, linked account information, and mileage information included in the linked information in a predetermined storage medium. 2765c, generate (or extract) predetermined information registration history information (e.g., a history of storing the connection information registration request electronic document in the electronic document repository, and / or a history of storing the connection information in the storage medium) And transmits it to the terminal (2770c).

According to an embodiment of the present invention, the storage medium is preferably provided in a DBMS on the financial system 115 provided on the linkage information registration system (or linked with the linkage information registration system). The storage medium may be a ledger D / B provided in the DBMS on the financial system 115, 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 is provided on (or associated with) the linked information registration system, and / or a telebanking system, and / or a wireless banking system, and / or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

FIG. 28 is a diagram illustrating a checking account operating system for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an embodiment of the present invention.

In more detail, FIG. 28 illustrates the operation of checking the checking and checking transaction by operating the checking account opened through the checking account opening system shown in FIG. 2 or 9 based on the checking account operating information stored in the storage medium 2830. In order to connect to the checking account set up in the opening of the checking account, the amount of money withdrawn from the deposit of the linked account, or the amount converted into cash in connection with the mileage information, etc. As for the system configuration for the payment of the deposit and the insufficient amount during the checking exchange settlement process, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present check 28 and the above checking exchange settlement transaction Deposit of the linked account in connection with the linked account set in the opening of the checking account for Deposit the amount of money withdrawn into the checking account, including at least one or more of the amount of money converted into cash in connection with the mileage information, etc., and to the checking account operating system for payment of the insufficient amount during the checking exchange settlement process. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 28 according to an embodiment of the present invention, the checking account operating system may include a financial system 115 having a ledger corresponding to a checking account opened through the checking account opening system shown in FIG. 2 or FIG. 9. And a storage medium 2830 for storing the checking account operation information including at least one of the customer information, checking account information, and linked information, and operating the checking account in association with the financial system 115, wherein the storage account is stored. Periodically check the checking account operation information stored in the medium 2830 and link the amount of withdrawal of the deposit of the linked account or mileage information in connection with the connection account set up in the opening of the checking account for the checking and checking transaction. Depositing an amount of money including at least one amount converted into cash into the checking account, In the case of the exchange settlement process, the transfer amount server 2800 for payment for the insufficient amount is characterized in that it is made.

Here, the storage medium 2830 is provided in the ledger D / B on the financial system 115, or in a predetermined database associated with the ledger D / B according to the intention of the skilled person, or at least one or more banking Anything that can be provided on the system is possible, whereby the present invention is not limited.

In addition, the transfer processing server 2800 is a ledger server provided in the financial system 115, or a financial company server on the checking account opening system shown in FIG. 2 or 9, or in FIG. 2 or 9 Various banking servers (eg, internet banking server, wireless banking server, telebanking server, home banking server, TV banking server, etc.) operating the checking account in connection with the illustrated financial system 115, or the checking exchange payment transaction For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. It may be a separate server provided for the payment, the amount insufficient for the checking exchange payment process is provided for payment, Thereby, this invention is not limited.

In addition, in FIG. 28, the transfer processing server 2800 periodically manages the checking account operation information stored in the storage medium 2830 and the function configuration for operating the checking account in connection with the financial system 115. Includes at least one amount of money withdrawn from the deposit of the linked account in connection with the linked account set up in the opening of the checking account for the checking exchange settlement transaction or cash exchange of the mileage in cash in connection with mileage information, etc. The amount of money to be deposited in the checking account, and the amount insufficient for the checking exchange payment process is shown to include all the functional configuration for payment, but by this the invention is not limited, the transfer processing server 2800 It is clear that each functional configuration can be made through a separate server (or device). A.

The financial system 115 is a general term for a computer system in which a ledger corresponding to the checking account opened through the checking account opening system shown in FIG. 2 or 9 is provided. And / or a sales office) and at least one window terminal and a predetermined financial network (for example, a branch network), and face-to-face financial transactions for at least one financial transaction customer through the window terminal. Provide service.

In addition, the financial system 115 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 115 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 115 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Financial transactions non-face-to-face with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

The financial system 115 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server. At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 115 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 115 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or connected to a home network) connected to a predetermined home network through the home banking server The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a refrigerator.

In addition, the financial system 115 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV) connected to a predetermined return channel (Return Channel) through the TV banking server , Non-face-to-face financial transaction services to at least one financial transaction customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

Referring to FIG. 28, the financial system 115 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 115 and at least one other financial system 115 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc. in the financial system (11) 5) an external system providing access to and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 115 ) Is an interface module corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 115 and predetermined information required for performing each function in the components of the financial system 115. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, and / or customer information, and / or management information).

In addition, the financial system 115 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 115 and the purpose of the financial system 115. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 115, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the invention, the DBMS provided in the financial system 115, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 115. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The storage medium 2830 is a generic term for storage means for storing the checking account operation information including at least one of the customer information, checking account information, and linkage information through the checking account opening system shown in FIG. 2 or FIG. 9. As such, the storage medium 2830 may be provided in the ledger D / B on the financial system 115, in a predetermined database associated with the ledger D / B, or at least one banking according to the intention of the skilled person. Anything provided on the system is possible.

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

The checking account information is registered in the account ledger based on customer information for a predetermined customer who opens the checking account in connection with the checking account opening system for opening a predetermined checking account, and a customer ledger linked to the customer information. It is preferable to include at least one account attribute information for the purpose, and the checking account information is preferably stored and registered in the ledger D / B of the financial system 115.

In addition, it is preferable that the checking account information includes at least one or more of a limit amount for a predetermined checking transaction and whether there is an automatic loan.

In addition, the checking account information is the amount of withdrawal of the deposit of the linked account in connection with the connection account set in the opening of the checking account for the checking exchange settlement transaction, or the amount of money exchanged for the mileage in cash in connection with the mileage information, etc. The balance of the checking account generated while operating the checking account in connection with the financial system 115 for depositing an amount of money including at least one or more to the checking account, and the amount insufficient for the checking of the exchange exchange settlement process At least one information, loan status information, priority information is preferably included.

The priority information includes at least an amount of withdrawal of the deposit of the linked account in connection with a linked account set up in the opening of a checking account for the checking exchange settlement transaction, or an amount of money converted into cash in connection with mileage information. Deposit a predetermined amount of money in the checking account, and transfer the insufficient amount in the checking and settlement process to transfer to the checking account in connection with the financial system 115 for payment. It is preferable to mean a withdrawal order for free withdrawal account information of free and withdrawal account, beneficiary account information of beneficiary account, and savings account information for savings account.

The account attribute information is preferably made to include the check check linked information associated with the check check for a predetermined check check issued by a given customer.

The linkage information includes at least one or more amounts of withdrawal of the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information. It is preferable that the amount of money included in the checking account is included, and at least one connection account information and mileage information is included in order to settle the amount insufficient during the checking exchange payment process.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

Referring to FIG. 28, the transfer processing server 2800 may include at least one client terminal 2850 and the checking account to operate a checking account opened through the checking account opening system illustrated in FIG. 2 or 9. An interface unit (or interface means) 2815 for connecting a communication channel for operation and receiving predetermined financial account use information for operating the checking account from the customer terminal 2850 in association with the interface unit 2815. An information receiving unit (or information receiving unit) 2825 and a transfer processing unit (or transfer processing unit) 2805 for operating the checking account in association with the financial system 115 based on the received financial account usage information. Characterized in that the transfer processing unit 2805 is made of at least two or more functional components (or means) in accordance with the intention of those skilled in the art It is possible that the present invention is not limited thereby.

According to an embodiment of the present invention, when the customer terminal 2850 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 2815 may be based on a protocol stack defined in the communication network. Connecting at least one communication channel with the employee terminal and transmitting and receiving at least one information (or data) for operating the checking account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the customer terminal 2850 includes a wired terminal connected to a predetermined wired communication network, the interface unit 2815 is based on the protocol stack defined in the wired communication network. At least one or more information (or data) for operating the wired terminal and the checking account by connecting a predetermined communication channel with the terminal 2850 and using a communication protocol defined in a financial transaction program included in the customer terminal 2850. It is desirable to provide a communication interface for transmitting and receiving).

For example, when the client terminal 2850 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2815 may be connected to the client terminal 2850 based on the TCP / IP protocol. Linking a communication channel and using a HTTP protocol defined in the browser program, a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) and / or information (or data) for operating the checking account. It provides a communication interface for transmitting and receiving.

Or, if the customer terminal 2850 is provided with a predetermined financial transaction program directly interworking with the transfer processing server 2800, the interface unit 2815 is based on the TCP / IP protocol to the customer terminal 2850 And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the checking account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 2850 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2815 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with a customer terminal 2850, and transmitting and receiving at least one or more information (or data) for operating the checking account using a communication protocol defined in the financial transaction program provided in the customer terminal 2850 It is desirable to provide a communication interface.

For example, when the client terminal 2850 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2815 is based on the CDMA / WCDMA protocol. Connect a communication channel with a customer terminal (2850), using a WAP / ME protocol defined in the browser program, a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page, or HTML) for operating the checking account. Compatible webpages) and / or an interface for transmitting and receiving information (or data).

Or, if the customer terminal 2850 is provided with a predetermined financial transaction program directly interworking with the transfer processing server 2800, the interface unit 2815 is based on the CDMA / WCDMA protocol the customer terminal (2850) And a communication channel, and a communication interface for transmitting and receiving information (or data) for operating the checking account using a communication protocol defined in the financial transaction program.

The information receiving unit 2825 receives the predetermined financial account usage information for operating the checking account from the customer terminal 2850 in connection with the interface unit 2815, and the received financial account usage information. Is provided to the transfer processing unit 2805.

The transfer processing unit 2805 may perform various financial transaction procedures for the checking account in connection with the financial system 115 based on the received financial account usage information.

According to an exemplary embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information from which the amount is withdrawn), the transfer processing unit ( 2805) preferably performs a deposit transaction procedure for the checking account in connection with the financial system 115 based on the financial account usage information, and records the deposit transaction details in the ledger corresponding to the checking account. It is preferable.

According to another embodiment of the present invention, the financial account use information includes the withdrawal transaction request information for the checking account (for example, a deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the checking account). In this case, the transfer processing unit 2805 preferably performs a withdrawal transaction (or transfer transaction) procedure for the checking account in connection with the financial system 115 based on the financial account usage information. It is preferable to record in the ledger corresponding to the checking account.

In addition, the transfer processing unit 2805 periodically checks the amount deposited in the checking account, calculates the interest (or proceeds) for the deposit amount according to the interest rate (or return) corresponding to the checking account, It is preferable to deposit the calculated interest (or proceeds) into the checking account and record the interest (or proceeds) deposit in the ledger corresponding to the checking account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 28, the transfer processing server 2800 may be connected with an amount of withdrawal of a deposit of the linked account, mileage information, etc. in connection with a connection account set up in a checking account opening process for the checking exchange settlement transaction. The transfer processing unit (or transfer processing means) 2805 may deposit the amount of money including at least one amount of the mileage converted into cash into the checking account, and the payment processing unit (or transfer processing means) 2805 may make a payment for the insufficient amount during the checking of the checking exchange. While operating the checking account in association with the system 115, the balance information and checking the checking exchange funds of the checking account information included in the checking account operation information in connection with the storage medium 2830, the balance information Is confirmed in connection with the financial system 115 and the information confirmation unit 2820 for confirming that the case is less than the checking exchange settlement fund; And a financial account checking unit (or financial account checking means) 2810 which checks priority information on the checking account based on the balance information among the left account information and confirms predetermined linking information according to the priority. The transfer processing unit 2805 checks the priority information and operates a checking account for payment of an exchange settlement fund of the checking account based on predetermined linkage information according to the priority.

The information checking unit 2820 exchanges the mileage in cash in connection with the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account for the checking exchange settlement transaction, or with the mileage information. Deposit the amount of money including at least one amount into the checking account, and the transfer processing unit 2805 in conjunction with the financial system 115 to operate the checking account to settle the amount insufficient during the checking exchange payment process In the meantime, it is preferable to check the balance information of the checking account information included in the checking account operation information in connection with the storage medium 2830 to check the case where the balance information is less than the checking exchange payment fund. Is provided to the transfer processing unit 2805.

The financial account checking unit 2810 checks priority information of the checking account based on the balance information among the checked checking account information in connection with the financial system 115 to obtain predetermined linking information according to the priority. It is desirable to confirm.

The transfer processing unit 2805 is provided with the balance information for the checking account and the checking exchange payment fund information received from the information checking unit 2820 and the balance information corresponding to the checking result when the balance information is small. Checking the priority information in connection with the financial account checking unit 2810, based on the predetermined linking information according to the priority for free and withdrawal account, beneficiary account account by the linked information for the checking exchange payment fund of the checking account Transfers a portion of the amount of the account including at least one savings account for the checking of the checking exchange, or converts a predetermined mileage into cash in connection with the mileage information, and converts the converted amount into the checking account; It is preferable to operate a checking account in the form of a transfer.

The amount for the transfer processing is in the form of deposits for the free and withdrawal account for the checking and settlement funds, and transfers the amount insufficient for the checking exchange payment until the processing or recurring transfer until the predetermined amount becomes larger than the insufficient amount. It is preferable to mean at least one transfer treatment method for transfer treatment.

In addition, if the account holder information for the checking account and the account holder information for the free withdrawal account is different during the transfer process, a process of notifying the account holder for the free withdrawal account or the account holder with the free withdrawal account in the free withdrawal account. It may also comprise at least one approval process for transfer to the checking account.

In addition, the amount for the transfer processing is for the principal and the proceeds of the beneficiary certificate for the checking exchange settlement funds, until the proceeds are processed by the amount insufficient for the checking exchange settlement or the predetermined amount is greater than the insufficient amount. It is preferable to mean at least one or more transfer processing methods for carrying out transfer processing in the form of repeated transfer.

In addition, if the account holder information for the checking account and the customer information displayed on the beneficiary certificate for the beneficiary certificate is different during the transfer process, the process of notifying the customer of the beneficiary certificate or the proceeds of the beneficiary certificate to the customer It may include at least one approval process for processing the transfer to the checking account.

In addition, the amount for the transfer processing is for the principal and interest for the savings account for the current exchange settlement funds, until the interest is insufficient for the transfer processing, or the predetermined amount more than the amount insufficient for the checking exchange settlement It is preferable to mean at least one or more transfer processing methods for carrying out transfer processing in the form of repeated transfer.

In addition, if the account holder information for the checking account and the account holder information for the savings account is different during the transfer process, a process of notifying the account holder for the savings account or the account holder to the savings account in the savings account. It may be made to include at least one approval process for the transfer process to the checking account.

In addition, when the amount for the transfer processing is greater than the amount for the deposit, or the predetermined amount is greater than the amount of cash for the current exchange settlement payment cash exchange the mileage by the amount insufficient for the checking exchange payment It is preferable to mean at least one or more transfer treatment methods to carry out the transfer process in the form of repeated exchange and deposit.

FIG. 29 is a view illustrating an operation flow of a checking account operating system for settlement of an insufficient amount during a checking exchange payment process in connection with a linked account or mileage according to an embodiment of the present invention.

* In more detail, Figure 29 shows the checking and settlement transaction by operating the checking account opened through the checking account opening system shown in FIG. 2 or 9 based on the checking account operating information stored in the storage medium 2830. For the checking account, the amount including the amount of withdrawal of the deposit of the linked account in connection with the linked account set in the opening of the checking account, or the amount converted into cash in connection with the mileage information. The present invention shows the flow of the system for the payment of the amount insufficient for the checking and settlement of the checking exchange, and those of ordinary skill in the art to which the present invention pertains, refer to this figure 29 and modify the checking and checking Example of the linked account in connection with the linked account set in the opening of the checking account for the settlement transaction Initiate a checking account for depositing money, or at least one amount that includes at least one amount of cash for converting the mileage into cash in connection with mileage information and the like. Various implementation methods for the operation flow of the system may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 29, the transfer processing server 2800 shown in FIG. 28 is referred to as a “server” for convenience.

Referring to Fig. 29a according to the embodiment of the present invention, the server receives the request for checking the checking exchange from the financial system 115 (2900a), the server checks the checking exchange payment funds and checking account balance information ( 2905a).

If the checking exchange payment fund is smaller than the checking account balance information (2910a) in response to the checking exchange payment fund and the checking account balance information checked by the server, the server may be linked to the financial system 115. The payment processing for the checking exchange payment funds in association with the checking account balance information (2930a), and the server notifies the result of the checking exchange payment funds processing in connection with the customer information for the checking account (2935a).

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

In addition, in response to the checking exchange payment fund and the checking account balance information checked by the server, when the checking exchange payment fund is greater than the checking account balance information (2910a), the server may be linked with the financial system 115. The linkage information is received from the financial system 115 to confirm the linking account information among the linkage information and to check the balance of the free deposit and withdrawal account based on the linking account information (2915a).

The linkage information includes at least one or more amounts of withdrawal of the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information. It is preferable that the amount of money included in the checking account is included, and at least one connection account information and mileage information is included in order to settle the amount insufficient during the checking exchange payment process.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one free deposit account information of a predetermined free withdrawal account set in the account opening process, the beneficiary account information of the beneficiary account, and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

If the balance of the free and withdrawal account corresponds to the result of the verification, when the balance of the free and withdrawal account is less than the checking exchange payment fund confirmed by the server (2920a), all of the free and withdrawal account balance is transferred to the checking account. 2940a, the process is performed by the processes of FIGS. 29b, 29c, and 29d to be described later.

Here, the process of transferring the entire deposit of the free deposit account to the checking account for the case where the balance of the free deposit and withdrawal account is smaller than the checking and exchange payment fund may be omitted. Processing may be performed by the process of 29c and 29d.

The amount for the transfer processing is in the form of deposits for the free and withdrawal account for the checking and settlement funds, and transfers the amount insufficient for the checking exchange payment until the processing or recurring transfer until the predetermined amount becomes larger than the insufficient amount. It is preferable to mean at least one transfer treatment method for transfer treatment.

In addition, if the account holder information for the checking account and the account holder information for the free withdrawal account is different during the transfer process, a process of notifying the account holder for the free withdrawal account or the account holder with the free withdrawal account in the free withdrawal account. It may also comprise at least one approval process for transfer to the checking account.

If the remaining balance of the free teller account is greater than the checking exchange payment fund confirmed by the server (2920a), the server may check a part of the free withdrawal account balance. Transfer to account (2925a).

Thereafter, the server processes the payment for the checking exchange settlement fund in connection with the checking account balance information in connection with the financial system 115 (2930a), and the server exchanges the checking account in connection with the customer information for the checking account. The settlement fund processing result is notified (2935a).

Referring to Fig. 29b according to the embodiment of the present invention, the server receives a request for checking the checking exchange from the financial system 115 (2900b), the server checks the checking exchange payment funds and checking account balance information ( 2905b).

If the checking exchange payment fund is smaller than the checking account balance information (2910b) in response to the checking exchange payment fund and the checking account balance information checked by the server, the server may be linked to the financial system 115. The payment processing for the checking exchange payment funds in association with the checking account balance information (2930b), and the server notifies the result of the checking exchange payment funds processing in connection with the customer information for the checking account (2935b).

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

In addition, in response to the checking exchange payment fund and the checking account balance information checked by the server, when the checking exchange payment fund is larger than the checking account balance information (2910b), the server may be linked with the financial system 115. Receiving the linkage information from the financial system 115 confirms the linking account information of the linkage information and confirms the profit of the beneficiary certificate account by the linking account information (2915b).

The linkage information includes at least one or more amounts of withdrawal of the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information. It is preferable that the amount of money included in the checking account is included, and at least one connection account information and mileage information is included in order to settle the amount insufficient during the checking exchange payment process.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one or more free and withdrawal account information of the predetermined free and withdrawal account set in the account opening process, the beneficiary and securities account information of the beneficiary account and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

If the revenue of the beneficiary account is less than the checking exchange settlement fund confirmed by the server (2920b), all of the beneficiary account income is transferred to the checking account. 2940b, the process is performed by the processes of FIGS. 29a, 29c, and 29d to be described later.

Here, the process of transferring the entire profit of the beneficiary account to the checking account when the balance of the beneficiary account is less than the checking exchange settlement fund may be omitted. Processing may be performed by the process of 29c and 29d.

In addition, the amount for the transfer processing is for the principal and the proceeds of the beneficiary certificate for the checking exchange settlement funds, until the proceeds are processed by the amount insufficient for the checking exchange settlement or the predetermined amount is greater than the insufficient amount. It is preferable to mean at least one or more transfer processing methods for carrying out transfer processing in the form of repeated transfer.

In addition, if the account holder information for the checking account and the customer information displayed on the beneficiary certificate for the beneficiary certificate is different during the transfer process, the process of notifying the customer of the beneficiary certificate or the proceeds of the beneficiary certificate to the customer It may include at least one approval process for processing the transfer to the checking account.

If the balance of the beneficiary account is greater than the checking exchange settlement fund confirmed by the server (2920b), the server checks a portion of the beneficiary account. Transfer to account (2925b).

Subsequently, the server processes payment for a checking exchange payment fund in connection with the checking account balance information in connection with the financial system 115 (2930b), and the server checks a checking exchange in connection with the customer information for the checking account. The result of the processing of the funds is notified (2935b).

Referring to Fig. 29c according to the embodiment of the present invention, the server receives the request for checking the checking exchange from the financial system 115 (2900c), the server checks the checking exchange payment funds and checking account balance information ( 2905c).

If the checking exchange payment fund is smaller than the checking account balance information (2910c) in response to the checking exchange payment fund and the checking account balance information checked by the server, the server may be linked to the financial system 115. The payment processing for the checking exchange payment funds in association with the checking account balance information (2930c), and the server notifies the result of the checking exchange payment funds processing in connection with the customer information for the checking account (2935c).

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), etc., provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

In addition, in response to the checking exchange payment fund and the checking account balance information checked by the server, when the checking exchange payment fund is larger than the checking account balance information (2910c), the server may be linked with the financial system 115. Receiving the linkage information from the financial system 115 confirms the linking account information of the linkage information and confirms the profit of the savings account by the linking account information (2915c).

The linkage information includes at least one or more amounts of withdrawal of the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information. It is preferable that the amount of money included in the checking account is included, and at least one connection account information and mileage information is included in order to settle the amount insufficient during the checking exchange payment process.

The linked account information is withdrawn by the customer in connection with the linked account set up in the opening of the checking account for the checking and settlement of the checking account, the deposit to the checking account by the predetermined customer to pay the insufficient amount during the checking exchange payment process It is preferable to include at least one free deposit account information of the predetermined free withdrawal account set in the account opening process, the beneficiary account information of the beneficiary account, and the savings account information of the savings account.

In addition, the linked account information is preferably made, including a predetermined approval process, if the account holder for the checking account and the account holder for the linked account is different from each other.

If the revenue of the savings account is less than the checking exchange payment fund confirmed by the server in response to a result of checking the profit of the savings account (2920c), all of the savings account profits are transferred to the checking account (2940c). Then, the process is performed by the processes of FIGS. 29A, 29B, and 29D to be described later.

Here, the process of transferring the total amount of the profit of the savings account to the checking account for the case where the balance of the savings account is smaller than the checking exchange settlement fund may be omitted, and if omitted, the drawings 29a, 29b, Processing may be performed by the process shown in Fig. 29D.

In addition, the amount for the transfer processing is for the principal and interest for the savings account for the current exchange settlement funds, until the interest is insufficient for the transfer processing, or the predetermined amount more than the amount insufficient for the checking exchange settlement It is preferable to mean at least one or more transfer processing methods for carrying out transfer processing in the form of repeated transfer.

In addition, if the account holder information for the checking account and the account holder information for the savings account is different during the transfer process, a process of notifying the account holder for the savings account or the account holder to the savings account in the savings account. It may be made to include at least one approval process for the transfer process to the checking account.

If the balance of the savings account is greater than the checking exchange payment fund confirmed by the server (2920c), the server transfers a portion of the savings account to the checking account. (2925c).

Subsequently, the server processes payment for a checking exchange settlement fund in connection with the checking account balance information in connection with the financial system 115 (2930c), and the server checks a checking exchange in connection with the customer information for the checking account. The result of the processing of the funds is notified (2935c).

Referring to Fig. 29d according to the embodiment of the present invention, the server receives a request for checking the checking exchange from the financial system 115 (2900d), and the server checks the checking exchange payment funds and the checking account balance information. (2905d).

If the checking exchange payment fund is smaller than the checking account balance information (2910d) in response to the checking exchange payment fund and the checking account balance information confirmed by the server (2910d), the server is connected to the financial system 115 The payment processing for the checking exchange payment funds in association with the checking account balance information (2930d), and the server notifies the result of the checking exchange payment funds processing in conjunction with the customer information for the checking account (2935d).

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), etc. provided in the customer ledger provided on the financial system 115 associated with the checking account opening system in response to the customer. It is preferable to comprise as mentioned above.

In addition, in response to the checking exchange payment fund and the checking account balance information checked by the server, when the checking exchange payment fund is larger than the checking account balance information (2910d), the server may be linked with the financial system 115. The linkage information is received from the financial system 115 to confirm linking account information among the linking information, and to confirm mileage based on the linking account information (2915d).

The linkage information includes at least one or more amounts of withdrawal of the deposit of the linked account in connection with a linked account set in the opening of a checking account for a checking exchange settlement transaction, or an amount converted into cash in connection with mileage information. It is preferable that the amount of money included in the checking account is included, and at least one connection account information and mileage information is included in order to settle the amount insufficient during the checking exchange payment process.

The mileage information is converted into cash in connection with a predetermined mileage set in the opening of a checking account for a checking exchange settlement transaction, and the exchanged cash is deposited into the checking account to settle the insufficient amount during the checking of the checking exchange. To this end, it is preferable to include at least one or more mileage connection information on the mileage held by a predetermined customer, customer information on the mileage, and the like.

If the mileage is smaller than the checking exchange settlement fund confirmed by the server in response to the mileage checking result (2920d), all of the mileages are converted into cash and transferred to the checking account (2940d), which will be shown later. 29a, or by the process of FIGS. 29b and 29c.

Here, the process of transferring the entire profit of the mileage to the checking account when the balance of the mileage is smaller than the checking exchange settlement fund may be omitted, and if omitted, the drawings 29a or 29b, which will be shown later. It may be processed by the process of 29c.

In addition, when the amount for the transfer processing is greater than the amount for the deposit, or the predetermined amount is greater than the amount of cash for the current exchange settlement payment cash exchange the mileage by the amount insufficient for the checking exchange payment It is preferable to mean at least one or more transfer treatment methods to carry out the transfer process in the form of repeated exchange and deposit.

If the profit of the mileage corresponds to a result of confirmation, when the balance of the mileage is greater than the checking exchange settlement fund confirmed by the server (2920d), the server converts a portion of the mileage into cash and transfers it to the checking account. (2925d).

Subsequently, the server processes payment for a checking exchange settlement fund in connection with the checking account balance information in connection with the financial system 115 (2930d), and the server checks a checking exchange in connection with the customer information for the checking account. The result of the processing of the funds is notified (2935d).

The present invention has the advantage that the customer can operate the checking account by a predetermined inflow withdrawal account, beneficiary certificates, savings account, mileage, etc. registered with the checking account in addition to the checking account.

In addition, by issuing a checking and paying the checking, the free deposit and withdrawal account, the beneficiary account, savings account, mileage, etc. are transferred to the checking account without paying the checking check. There is an advantage that can reduce time waste in checking account.

Claims (1)

Account opening means for opening a checking account associated with the linked account information in the name of the customer and the mileage information of the customer; When a payment processing request for a checking check issued in association with the checking account is received, when the balance of the checking account is less than the payment amount by comparing the payment amount for the checking check and the balance of the checking account, the checking account Information checking means for confirming linked account information associated with an account and mileage information of the customer; And And a transfer processing means for transferring a deposit amount of the confirmed linked account or the amount corresponding to the mileage to the checking account for payment of a part or all of the insufficient payment amount. Exchange settlement transfer processing system.

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