KR20100061919A - Atm having real name confirmation function - Google Patents

Abstract

PURPOSE: A finance automatic machine having real name confirmation functions is provided to process a real name confirmation in face to face or non-facing through a real name confirmation agency. CONSTITUTION: A control unit(1875) confirms a real name confirmation by comparing a client face image of a front image of an identification card and a client face image obtained through an image obtaining unit. The control unit generates real name confirmation admission information. The control unit provides the real name confirmation admission information to a real name confirmation processing server through a communications unit. The real name confirmation admission information comprises a real name confirmation target client information, account information, the front image of the identification card, and the client face image obtained through a card reader unit or a key input unit.

Description

Financial automation equipment with real name verification function {ATM having Real Name Confirmation Function}

1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

2 is a diagram illustrating a ledger system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

Figure 3 is a diagram illustrating a process for applying for opening a multi-account for non-face-to-face transactions according to an embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening a compound account for non-face-to-face transactions according to an embodiment of the present invention.

5 is a view showing a real name confirmation guide system according to an embodiment of the present invention.

6 is a diagram illustrating a real name confirmation guide process according to an embodiment of the present invention.

7 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

8 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

9 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

10 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

11 is a view showing a real name confirmation guide system according to another embodiment of the present invention.

12 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

13 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

14 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

15 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

16 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a multi-account management system for processing real-name verification of a non-real-name compound account through a real name verification additional director according to an embodiment of the present invention.

18 is a diagram showing the functional configuration of the automated teller machine for real name confirmation according to the embodiment of the present invention.

19 is a diagram illustrating a real name verification process for a non-real name composite account according to an exemplary embodiment of the present invention.

20 is a diagram illustrating a real name verification process for a non-real name compound account according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a real name verification process for a non-real name compound account according to another exemplary embodiment of the present invention.

22A and 22B illustrate a real name verification process for a non-real name compound account according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a real name verification request process for a non-real name composite account operated in a financial teller machine according to an embodiment of the present invention.

24 is a diagram illustrating a real name verification request process for a non-real name compound account operated in a financial teller machine according to another embodiment of the present invention.

FIG. 25 is a diagram illustrating a real name verification process for a non-real name composite account operated in an automatic teller machine according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a real name verification process for a non-real name composite account operated in an automatic teller machine according to another embodiment of the present invention.

27 is a diagram illustrating a real name verification settlement process according to a real name verification process according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

29 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

30 is a diagram illustrating a multi-account management system for processing non-face-to-face transactions according to an embodiment of the present invention.

31 is a diagram illustrating a transaction request process for a composite account according to an embodiment of the present invention.

32 is a diagram illustrating a non-face-to-face transaction process through verification of the addition / deletion of the real name verification additional ledger according to the embodiment of the present invention.

33 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

1800: automated teller machine 1810: card reader

1815: ID card image acquisition unit 1820: Screen output unit

1825: Key input unit 1830: Image acquisition unit

1835: fingerprint acquisition unit 1840: communication unit

1845: terminal function unit 1850: cash payment unit

1855: cash register 1860: cash release

1865: Memory 1870: Power Supply

1875: control unit 1876: mode confirmation unit

1877: validation unit 1878: card information reading unit

1879: ID card reader 1880: facial recognition processing unit

1881: fingerprint recognition unit 1882: information generation unit

1883: information processing unit 1884: information input unit

1890: real name verification processing server

The present invention relates to a financial automated device equipped with a real name verification function, and more specifically, to obtain a customer facial image or a customer fingerprint image from the automated teller machine to obtain a customer face image or customer fingerprint image registered on the identification card of the customer. The present invention relates to a financial automation device that can confirm a real name by comparing and checking.

The conventional financial system in all financial sectors is designed to deposit funds (or value) by making a database of past ledgers in the past and to handle financial transactions requested by customers similar to the past ledgers. At least one new financial account must be opened, and the opened financial account is maintained until the financial account is closed.

For example, in the case of a financial system provided in the conventional financial sector, after the customer opens a demand account, in order to accumulate a savings account, a new accumulation account is opened separately from the demand account, or the new account is canceled and the new account is canceled. You must open a savings account.

Alternatively, in the case of the financial system provided in the conventional financial sector, in order to change the taxable demand account into a non-taxable demand account after the customer opens a taxable demand account, the customer first cancels the taxable demand account and preempts non-taxation. You must open a new required demand account.

However, the financial system provided in the conventional financial sector as described above, the production and purchase costs range from at least billions to billions, and the maintenance cost also includes a problem that requires a minimum budget of at least billions of dollars each year. This includes the inconvenience that customers must visit a financial institution to open a new account after face-to-face authentication.

In addition, the financial system provided in the conventional financial sector has a general ledger operation method similar to the ledger ledger method in the past, and it is very difficult to support other items in addition to the items already built on the ledger at the time of designing the ledger. This includes the inconvenience of having to close the old ledger and deal with new ledgers that include other items. Therefore, the provision of financial benefits temporarily during the operation of a specific financial account in the conventional financial system involves a very difficult problem. .

For example, even a simple task of changing the interest rate of a loan customer, the customer visits a bank teller and fills out a loan interest change application, and correspondingly performs settlement to the point of time of the loan interest change and then terminates the loan ledger / It is only possible to go through a new process, and it is more difficult to temporarily change the interest rate only for a certain period of time.

The present invention, in order to solve the problems of the prior art as described above, to establish a non-real name compound account for non-face-to-face transactions to enable the use of additional services through the detachment of the additional ledger, and for the non-real name compound account for non-face-to-face transactions The purpose is to provide a method, a system and a recording medium for performing the real name verification.

In addition, another object of the present invention is to provide a method, a system and a recording medium for providing real name identification information for enabling a customer who opens a non-real name complex account for non-face-to-face transactions to induce real name verification.

Another object is to provide a method, a system, and a recording medium for providing a compensation amount according to the results of the real name verification to the real name verification agency on behalf of the real name verification so as to actively conduct the real name verification. .

Financial automated device equipped with a real name verification function according to the present invention for achieving the above object, the real name verification vice president is added to the non-face-to-face transaction account opened to enable the additional services through the detachment of the vice president Claims [1] A financial automatic device for real name verification of a non-real name account for non-face-to-face transactions, wherein restrictions and transaction restrictions are set, comprising: a card reader unit for recognizing a card associated with the account and obtaining card information; Identification card image acquisition unit for acquiring the front (or rear) image of the identification card of the customer verification request name; A screen output unit for outputting a real name checking process; A key input unit for receiving information from the real name verification request customer; An image acquisition unit for acquiring a face image of the real name confirmation request customer; A communication unit communicating with a real name verification processing server for real name verification processing through a financial network; And confirming whether the same person is the same by comparing the customer face image of the front image of the identification card acquired through the identification card image acquisition unit with the customer face image acquired through the image acquisition unit, and confirming the real name confirmation, and inputting the card reader unit or key. A control unit for generating real name verification approval information including the real name verification target customer information, the account information, the front image of the identification card, and the customer face image obtained through the unit, and providing the real name verification approval information to the real name verification processing server through the communication unit; Include.

Here, the fingerprint acquiring unit for acquiring the fingerprint image of the real name verification request customer; further comprising, wherein the control unit is obtained through the customer fingerprint image and the fingerprint acquisition unit of the back image of the identification card obtained through the identification card image acquisition unit Comparing the customer fingerprint image to confirm whether the same fingerprint, and confirms the real name confirmation, and includes the customer name verification target customer information, the account information and the back image of the identification card obtained through the card reader or key input unit, including the customer fingerprint image It may further perform a function of generating a real name verification approval information to provide to the real name verification processing server through the communication unit.

The control unit may provide the card information to the real name verification processing server through the communication processing unit to check (or receive) account information corresponding to the card information, and read the account information to read the account information. A verification vice-versa may be added to verify that a non-real name account for non-face-to-face transactions has been set with limit and transaction restrictions.

The control unit may provide the card information to the real name verification processing server through the communication processing unit, associate with the card information from the real name verification processing server, and add a real name verification vice president to limit the limit and the transaction restriction. The account information corresponding to the set non-face-to-face non-real name account can be received.

In addition, when the card information is account information, the controller may read the account information and verify that the account information is a non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger. .

The control unit may further provide device information and financial automatic device operating institution (or operator) information for the real name verification financial automated device to the real name verification processing server through the communication unit.

Financial automated device performing the real name verification according to the present invention for achieving the above object is limited by adding the real name verification vice president to the non-face-to-face transaction account opened so that you can use additional services through the detachment of the vice president And an automatic name verification for a non-real name account for non-face-to-face transactions for which transaction restrictions have been set, comprising: a card reader unit for recognizing a card associated with the account and obtaining card information; Identification card image acquisition unit for acquiring the front (or rear) image of the identification card of the customer verification request name; A screen output unit for outputting a real name checking process; A key input unit for receiving information from the real name verification request customer; An image acquisition unit for acquiring a face image of the real name confirmation request customer; A communication unit communicating with a real name verification processing server for approving and processing a real name verification through a financial network; And the front image of the identification card obtained through the card reader unit or the key input unit, the account information, the front image of the identification card obtained through the identification card image acquisition unit, and the customer face image obtained through the image acquisition unit. And a controller configured to generate real name verification request information and provide the real name verification request information to the real name verification processing server through the communication unit.

Here, the fingerprint acquisition unit for acquiring the fingerprint image of the real name verification request customer; further comprising the control unit, the real name identification target customer information, account information and the identification card image obtained through the card reader or key input unit; And generating a real name verification request information including a rear image of the identification card acquired through the unit and a customer fingerprint image obtained through the fingerprint acquisition unit, and processing the generated name verification request information to be provided to the real name verification processing server through the communication unit. have.

The control unit may provide the card information to the real name verification processing server through the communication processing unit to check (or receive) account information corresponding to the card information, and read the account information to read the account information. A verification vice-versa may be added to verify that a non-real name account for non-face-to-face transactions has been set with limit and transaction restrictions.

The control unit may provide the card information to the real name verification processing server through the communication processing unit, associate with the card information from the real name verification processing server, and add a real name verification vice president to limit the limit and the transaction restriction. The account information corresponding to the set non-face-to-face non-real name account can be received.

In addition, when the card information is account information, the controller may read the account information and verify that the account information is a non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger. .

The control unit may further provide device information and financial automatic device operating institution (or operator) information for the real name verification financial automated device to the real name verification processing server through the communication unit.

Hereinafter, preferred embodiments will be described so as to understand the present invention described above in more detail.

Prior to the description, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

In more detail, Figure 1 includes a non-face-to-face transaction function that includes one or more required payments, earning, deferred, reselling, mileage / coupons, and small loans in a single account ledger, interest rate adjustment, tax, A non-face-to-face transaction account that provides fee adjustment, payment support, billing / receipt, and record information expansion through one or more additional ledgers (eg, additional service ledgers or virtual account ledgers) that are detached from the multiple account ledger. This is a system for opening an account. Specifically, a customer opens a multiple account through a non-face-to-face and non-real name financial account opening interface. The account opening request information includes one or more customer information, account setting information, loan setting information, and non-face-to-face authentication information. If provided to an opening institution (hereinafter referred to as a financial institution), the financial institution is based on the request for opening the account. Shows a system configuration of the hybrid account opened for non-face-to-face transactions of state.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various implementation methods for the configuration of a financial account opening system corresponding to the non-face-to-face transaction complex account. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, in order to open a non-face-to-face non-face-to-face transaction account, a terminal device providing account opening request information including one or more of the customer information, account setting information, loan setting information, and non-face-to-face authentication information to a financial institution. It is by no means limited to the client terminal 195, an automatic teller machine (ATM) and a cash dispenser provided in the financial institution (or another financial institution affiliated with the financial institution) according to the intention of the skilled person. (Cash Dispenser; CD) including at least one (Cash Dispenser), a call connected to a wired telephone network such as Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network It may further include a terminal (not shown), a mobile terminal connected to the financial institution, a call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network. Was, the invention bayida place apparently found that it is possible to open a composite accounts for the non-face-to-face transaction through any terminal device capable of the inference.

In addition, according to the implementation method shown in FIG. 1, the account opening electronic document for opening the non-face-to-face transaction composite account is illustrated as being generated on the server side on the financial account opening system. The account opening electronic document is not limited thereto, and the account opening electronic document may be generated at the terminal side that inputs (or selects) the account opening request information (for example, the electronic document generation function provided at the server side is provided to the terminal side). To generate the account opening electronic document), by which the present invention is not limited.

Hereinafter, one or more means for opening the composite account for non-face-to-face transactions by receiving the account opening request information from the customer through a non-face-to-face / non-real name type financial account opening interface on the financial account opening system shown in FIG. The component corresponding to the functional configuration is referred to as "account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a financial account opening system corresponding to the non-face-to-face transaction composite account includes a client terminal 195 including one or more wired or wireless terminals used by a customer. The client terminal 195 is connected to an account opening server 100 provided on the financial account opening system through a communication network including at least one wired or wireless communication network.

According to an embodiment of the present invention, the customer connects to the account opening server 100 through one or more client terminals 195 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, and the account opening server. Entering (or selecting) account opening request information for opening a non-face-to-face compound account through one or more compound account opening user interfaces provided by 100, the client terminal 195 receives the financial information through a communication network. It is preferable to transmit to the account opening server 100 provided on the account opening system.

Here, the wired terminal is a general term for all terminal devices connected to a TCP / IP based communication network, and is connected to a desktop computer, a notebook, a communication network connected to the TCP / IP based communication network. It is preferable to include at least one connected home appliance terminal (eg, a refrigerator, a set-top box, etc.), a kiosk connected to a communication network, and the like.

The wireless terminal connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) / WCDMA / GSM-based mobile communication network, all terminal devices connected to a high-speed downlink packet access (HSDPA) -based wireless communication network, and IEEE. As a generic term for all terminal devices connected to the 802.16x-based portable Internet and all terminal devices connected to the IEEE 802.11x-based WLAN, a Personal Communication System (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network; Global System for Mobile communications (GSM) terminals, Personal Digital Cellular (PDC) terminals, Personal Handyphone System (PHS) terminals, Personal Digital Assistants (PDAs), Smart Phones, Telematics ( Or a wireless data communication terminal connected to an HSDPA-based wireless data network, or the IEEE 802.16x-based portable device. The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

In addition, the account opening server 100 is connected to the client terminal 195 among the Internet banking server, wireless banking server, tele-banking server, TV banking server for a composite account according to the characteristics of the client terminal 195 and the communication network characteristics Either one, or preferably comprises a separate web server for opening the non-face-to-face complex account.

In addition, the communication network connecting the client terminal 195 and the account opening server 100 may include a CDMA / WCDMA / GSM-based mobile communication network, an HSDPA-based wireless data communication network, according to a type of a wireless communication network to which the client terminal 195 is connected. The IEEE 802.16x-based portable Internet, the IEEE 802.11x-based wireless LAN, or any one of the proposed wireless communication network including the future it is preferable to include a wireless interval.

In addition, the client terminal 195 outputs one or more user accounts for opening a compound account provided by the account opening server 100, and inputs (or selects) one or more information through the user interface to open the account opening server. It is preferable that a function configuration (for example, a browser program and communication function, or a program and communication function communicating with the account opening server 100, etc.) for transmission to the 100 be provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 195 corresponding to one or more wired terminals or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial account opening system as described above, one or more client terminals 195 including one or more wired or wireless terminals used by the customer, and one or more connecting the client terminal 195 and the account opening server 100 are provided. The wired communication network or the wireless communication network performs a function of a non-face-to-face and non-real name financial account opening interface for the customer to register account opening request information for opening the non-face-to-face complex account.

The account opening server 100 provided on the financial account opening system according to the present invention is a generic term for components of the financial account opening system connected to the client terminal 195 through a communication network, and includes one or more servers (or devices). It may be implemented, including, or may be implemented in one or more programs recorded on a recording medium provided in the server (or device), thereby making it clear that the present invention is not limited.

According to an exemplary embodiment of the present invention, the account opening server 100 may be a web server provided with a financial institution to which the client terminal 195 is connected, a program provided in the web server, or the web server. It is preferable to include a server (or device) on the ledger system 180 accessible through the web server or the ledger system 180 accessible through the web server, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the account opening server 100 may be a non-face-to-face transaction server to which a customer opening the non-face-to-face transaction complex account is connected through the client terminal 195, or the non-face-to-face. Or a server (or device) on the ledger system 180 accessible through the non-face-to-face transaction server, or a program included in the transaction server, or accessible through the non-face-to-face transaction server. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the account opening server 100 is an information registration server connectable to a financial automatic device or a call terminal, in addition to the client terminal 195, or provided in the information registration server. It is preferable to include a server (or device) on the ledger system 180 which is a program or accessible through the information registration server, or accessible through the information registration server. This is not limited.

According to the embodiment of the present invention, the account opening server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a communication channel with the client terminal 195 through the communication network.

According to an embodiment of the present invention, when the client terminal 195 is a wired terminal connected to a wired communication network, the interface unit 105 communicates with the client terminal 195 based on a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting channels and transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 195.

For example, when the client terminal 195 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 is connected to the client terminal 195 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (for example, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 195 is provided with a communication program (eg, a non-face-to-face banking program) provided by the account opening server 100, the interface unit 105 is based on the TCP / IP protocol. It connects a communication channel with the client terminal 195 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 client terminal 195 is a wireless terminal connected to a wireless communication network, the interface unit 105 may be connected to the client terminal 195 based on a protocol stack defined in the wireless communication network. It is preferable to connect a communication channel and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 195.

For example, when the client terminal 195 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 105 is based on the CDMA protocol. ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the client terminal 195 is provided with a communication program (eg, a VM-based banking program or an IC chip-based banking program) provided by the account opening server 100, the interface unit 105 It connects a communication channel with the client terminal 195 based on the CDMA protocol, 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 client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting a call terminal (not shown) and a call path based on a voice call protocol and transmitting and receiving information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

Referring to FIG. 1, when the client terminal 195 connects a communication channel through the interface unit 105, the account opening server 100 sets up the client terminal for opening the composite account for the non-face-to-face transaction. Input (or select) the account opening request information at 195 to generate (or extract) one or more compound account opening user interface for transmitting to the account opening server 100, and the interface unit 105 and An interface providing unit (or interface providing means) for providing the generated (or extracted) compound account opening user interface to the client terminal 195 and a user interface for opening the compound account at the client terminal 195. When the account opening request information is input (or selected) through the transmission, the client is connected with the interface unit 105. And that the transfer from the end 195 to the account comprises an information receiving unit 115 (or an information receiving means) that receives the opening request information characterized.

The interface providing unit connects the communication channel with the account opening server 100 through the interface unit 105 through the interface unit 105, and then opens the non-face-to-face complex account for the account opening server 100. When the user interface for the user interface request, at least one compound account opening user interface for inputting (or selecting) the account opening request information from the client terminal 195 to be transmitted to the account opening server 100 through the communication network It generates or extracts from a database (not shown), and provides the user terminal 195 for creating a multi-account opened in conjunction with the interface unit 105 to the client terminal 195 through the communication network. It is done.

When the client terminal 195 is a wired terminal connected to a wired communication network according to an exemplary embodiment of the present invention, the interface providing unit may be provided with a browser program or a communication program provided in the client terminal 195. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another exemplary embodiment of the present invention, when the client terminal 195 is a wireless terminal connected to a wireless communication network, the interface providing unit opens a composite account provided by a browser program or a communication program provided in the client terminal 195. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another exemplary embodiment of the present invention, when the client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit may be provided to the call terminal (not shown). Create (or extract) an account opening user interface (eg, a voicement based user interface, or a graphic user interface that can be output through a screen output means provided in the call terminal), and through the interface unit 105 It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown).

According to another embodiment of the present invention, a program having one or more user interfaces for inputting (or selecting) the account opening request information to the client terminal 195 and transmitting the account opening request information to the account opening server 100 through the communication network. In this case, the interface providing unit for generating (or extracting) the composite account opening user interface and providing the same to the client terminal 195 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 195 inputs (or selects) account opening request information including one or more of the customer information, account setting information, loan setting information, and non-face-to-face authentication information through the user interface for opening the composite account. And transmits the input (or selected) account opening request information to the account opening server 100 through the communication network. In response, the information receiving unit 115 cooperates with the interface unit 105 to provide the client terminal. It is characterized in that for receiving the account opening request information sent from (195).

According to an embodiment of the present invention, the client terminal 195 is a non-face-to-face authentication procedure (for example, provided in the account opening server 100) to transmit the account opening request information to the account opening server 100 (for example, It is preferable to perform ID / PW registration, issuance / reissue of a certificate, or registration of another certificate, whereby the account opening request information is confidentiality, authentication, and integrity in accordance with the non-face-to-face authentication procedure. And encryption / decryption or digital signature attachment that satisfy the characteristics of nonrepudiation.

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

Here, the customer information included in the account opening request information may include personal information (eg, name, resident registration number, home address, work address, base information, telephone number, etc.) of a customer requesting to open the non-face-to-face complex account. , A mobile phone number, an e-mail address, etc.) and one or more member information (eg, ID / PW information assigned to the customer by signing up as a financial transaction customer of the financial institution). It is preferable.

The account setting information included in the account opening request information includes basic setting information for the non-face-to-face complex account, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, and record information expansion of the compound account. It is preferable to include at least one additional service setting information for.

Here, the basic setting information of the account setting information includes account setting information for generating financial account information for the non-face-to-face compounded account, and request setting information for setting transaction attributes of the non-face-to-face compounded account. , Earning type setting information, deferred setting information, resale connection setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and within a predetermined small range without credit / collateral confirmation It is preferable to include one or more small loan setting information for approving a loan without a loan examination.

The account setting information included in the basic setting information of the account setting information generates an account number corresponding to the financial account information for the non-face-to-face compounded account, and the financial institution number corresponding to the non-face-to-face compounded account. (Or a code), it is preferable that the information is assigned to an account alias and to include information for issuing an account link card.

The required payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) a required payment transaction attribute in the non-face-to-face complex account. And information for setting (or activating) the earned transaction attribute in the face-to-face transaction complex account, and the deferred setting information includes information for setting (or activating) the deferred transaction attribute in the non-face-to-face complex account. Preferably, the resale association setting information includes information for setting (or activating) a resale association transaction attribute (eg, an investment product connection attribute) in the non-face-to-face complex account.

According to the method of the present invention, the non-face-to-face complex account is preferably made by including one or more of the transaction attributes (eg, the union of multiple transaction attributes) among the required attribute, the accumulated attribute, the deferred attribute, and the resale associated attribute. .

In addition, the microlending setting information included in the basic setting information of the account setting information is within a predetermined small amount range without confirmation of credit / securities according to the customer's request (or a predetermined loan policy) with respect to the non-face-to-face complex account. It is desirable to include information to approve the loan without a separate loan screening.

According to an exemplary embodiment of the present invention, the non-real name non-face-to-face transaction open account of the non-real name among the basic setting information of the account setting information of the request setting information, an appropriate setting information, a deferred setting information and mileage / coupon setting information At least one setting information set by a customer and not set at the time of opening the account among the required setting information, earning setting information, deferred setting information and mileage / coupon setting information is used in the process of using the non-face-to-face compound account. Preferably, the customer is set manually (or automatically by a financial institution policy), and among the basic setting information of the account setting information, the resale association setting information and the microloan setting information are stored in the non-face-to-face complex account. Manually after the real name verification (or automatically by financial institution policy) Is preferably set.

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is automatically set by a financial institution policy. In this case, among the basic setting information of the account setting information, demand setting information, earning setting information, deferred setting information and mileage / coupon setting information can be omitted. However, one or more setting information, which is not set at the time of opening the account, among the required setting information, earning setting information, deferred setting information, and mileage / coupon setting information may be manually set by the customer in the process of using the non-face-to-face complex account. (Or automatically by a financial institution policy), and the resale-associated setting information and the microloan setting information of the basic setting information of the account setting information may be set after checking the real name of the non-face-to-face complex account. It is desirable to be set manually by the customer (or automatically by financial institution policy).

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is set manually by a customer (or automatically by a financial institution policy), and not set at the time of opening the account among the demand setting information, earning setting information, deferred setting information and mileage / coupon setting information. It is preferable that the one or more setting information, the resale association setting information and the microloan setting information are set manually by the customer (or automatically by a financial institution policy) after confirming the real name of the non-face-to-face complex account. .

In addition, the additional service setting information of the account setting information, interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, billing support additional service setting information, billing for the non-face-to-face complex account It is preferable to include one or more additional service setting information of the storage / additional service setting information, record information extension additional service setting information.

The interest rate adjustment additional service setting information included in the additional service setting information of the account setting information may be used to add / reduce the interest rate for the non-face-to-face compound account without adding or canceling an account (for example, between the customer and the financial institution). Add interest rates or discount interest rates during the terms of the agreement), add / reduce promotion rates (eg, add interest rates by promotion of financial institutions (or affiliated institutions) or discount interest rates), or rejoin Long term interest rate additions / discounts (e.g., reinstatement of a customer, or long-term account retention, or additional interest rates or discounted credit rates); cumulative mileage additions / discounts (e.g. in financial institutions (or affiliates)) It may include information that adds one or more interest rates or discounts credit rates based on the accumulated miles earned. It is right.

The tax additional service setting information included in the additional service setting information of the account setting information may be taxed / non-taxed for a specific period of time (eg, a contract period) for the non-face-to-face complex account without a new account / cancellation. , Taxable / nontaxable for one or more transactional attributes included in the non-face-to-face transaction composite account or the non-face-to-face transaction composite account.

The fee adjustment additional service setting information included in the additional service setting information of the account setting information is for a specific period (for example, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reductions (e.g., fee reductions based on agreements between customers and financial institutions), fee reductions due to promotions (e.g., fee reductions by the customer's inclusion in (or signing up for) the promotions of financial institutions (or affiliates), It is preferable to include information for setting one or more fee coupon exchange (eg, fee reduction through a fee reduction coupon that is provided by a financial institution (or affiliated institution) or purchased by a customer).

The payment support additional service setting information included in the additional service setting information of the account setting information may be account transfer payment through the non-face-to-face transaction complex account, or card payment processing through a card associated with the non-face-to-face transaction complex account. City, mileage accumulation according to the payment processing (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing), fund support (for example, fund operator (national agency / local device organization operating welfare fund) , The insurance company that manages the benefits, the pension manager who manages the pension, etc., approves some (or all) of the payment authorizations through the funds provided to the customer), the payment fee reduction (e.g., the financial institution (or affiliate)) Promotion, or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g. discount mileage over preset criteria) Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storage additional service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face complex account without a new account / cancellation of the account (for example, the customer (= A medium for storing billing information charged to a non-face-to-face compound account for a certain period of time), providing a disposable storage account (eg, billing to the customer (= name of a non-face-to-face compound account) at one or more billing institutions). Providing a one-time account created to receive a single charge), a virtual account for deposit account classification (e.g., storing charges charged to the customer (= name of a non-face-to-face combined account) by one or more billing institutions) Virtual accounts for each billing institution), automatic payment (e.g., direct debit of billing institution), electronic bill payment management (e.g. It is preferable to include information for setting at least one of billing charges for each billing institution and escrow (e.g., an intermediate account for billing billing charges by billing agency) through a self-billed electronic bill.

The record information extension additional service setting information included in the additional service setting information of the account setting information may be recorded as an additional information record for the merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. For example, deposit details of merchants' accounts (or SOHO's) into one or more criteria, record deposits automatically (e.g., receivables loans), deposit amount classification / aggregation (e.g., non-face-to-face) Classifying and counting the amount of money deposited into a trading account according to one or more criteria), including information for setting one or more information on deposit and withdrawal information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make.

According to an exemplary embodiment of the present invention, at the time of opening a non-real name non-face-to-face transaction composite account among the additional service setting information of the account setting information, the interest rate adjustment additional service setting information, tax additional service setting information, and fee adjustment additional service setting information Preferably, at least one of payment support additional service setting information, billing / storage additional service setting information, and record information extension additional service setting information is set manually by a customer (or automatically by a financial institution policy). The adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / receiving additional service setting information, and record information extension additional service setting information are not set at the time of opening the account. One or more pieces of setting information may be It is preferable that the transaction process is set up manually (or automatically by financial institution policy) by the customer (or after confirming the real name of the non-face-to-face complex account).

Those skilled in the art to which the present invention pertains, the above-described interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / storing additional service setting In addition to the information and record information extension additional service setting information, one or more other additional service setting information may be inferred, and it will be apparent that the present invention includes all the inferable additional service setting information.

The loan setting information included in the account opening request information may be used in a non-face-to-face manner without a separate face-to-face confirmation (eg, a customer visits a financial institution and face-to-face authentication through an identification card) for the non-face-to-face complex account. Credit loan setting information for application, examination, and approval, and collateral loan for the non-face-to-face complex account in a non-face-to-face manner without a separate face-to-face confirmation (for example, when a customer visits a financial institution and face-to-face authentication through ID) It is desirable to include one or more sets of mortgage loan information for application, review and approval.

Here, the credit loan setting information, when the non-face-to-face non-face-to-face composite account is opened, if the real name of the non-face-to-face composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name Based on the confirmation, the information is applied to apply for the credit in a non-face-to-face manner without face-to-face confirmation with the customer, and in response to setting the financial institution to examine and approve the credit loan application, credit loan authentication information (eg, credit) Password for the loan application).

The mortgage loan setting information is, when a non-face-to-face non-face-to-face transaction composite account is opened, and the real name of the non-face-to-face transaction composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name verification is confirmed. Based on the non-face-to-face application for secured loans without face-to-face confirmation to the customer, and correspondingly set to the financial institution to examine and approve the secured loan application, secured loan authentication information (for example, secured loans) Password for the application).

According to the exemplary embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of the person skilled in the art, and in this case, the loan setting information may be used in the process of using the composite account for the non-face-to-face transaction (or the non-face-to-face transaction). After confirmation of the real name for the composite account for the account, it is preferable that the customer is set manually (or automatically by the financial institution policy).

The non-face-to-face authentication information included in the account opening request information may be used to authenticate the validity of a customer who opens a compound account for non-face-to-face transaction through a communication network in a non-real name state (= real name unidentified state through face-to-face verification), and to verify the validity of the account opening. As information for, the ID / PW-based authentication information and the authentication certificate-based authentication information includes one or more, according to the intention of those skilled in the art, the account opening password registered in the non-face-to-face authentication process provided in the account opening server 100 further It is preferable to comprise.

According to the embodiment of the present invention, the non-face-to-face authentication information may be omitted in the account opening request information according to the intention of the person skilled in the art, and the present invention is not limited thereto.

In the meantime, when the client terminal 195 inputs (or selects) account opening request information through the user account opening user interface and transmits it to the account opening server 100, a mobile phone corresponding to the mobile phone number of the customer information. The location tracking agreement information further agrees to the location tracking.

When the client terminal 195 further transmits the location tracking consent information, the mobile terminal of the customer who has opened the non-real name complex account for the non-face-to-face transaction frequently checks the location of the mobile phone and visits the adjacent real name verification agency. Real name verification guide information may be transmitted to the client terminal 195 to induce real name verification. This will be described in detail later.

Referring to FIG. 1, when the account opening request information is received through the information receiving unit 115, the account opening server 100 receives the account opening request information for opening a non-face-to-face complex account. Characterized in that it comprises a validating unit 120 (or validating means) for checking whether the validity is satisfied.

According to an embodiment of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the validity confirming unit 120 decrypts the account opening request information according to the encryption / decryption method, thereby making the account. It is preferable to check whether the opening request information satisfies the validity for opening the non-face-to-face compound account.

Alternatively, when the electronic signature is attached to the account opening request information, the validity confirming unit 120 checks the electronic signature attached to the account opening request information, so that the account opening request information is the non-face-to-face transaction account. It is desirable to verify that the validity for the establishment is met.

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

According to an embodiment of the present invention, the validation of the opening of the combined account for non-face-to-face transactions using the account opening request information may include one or more ledgers that match the account opening request information in the ledger system 180 linked to the financial account opening system. It is preferable to include checking whether this is already registered.

For example, the confirmation of the validity of opening a multiple account for non-face-to-face transactions using the account opening request information may include: customer information (customer personal information, member information, etc.) included in the account opening request information linked to the financial account opening system. And checking whether it matches with the customer ledger on the system 180. If the customer ledger matching with the account opening request information is not registered in the ledger system 180, the account opening request information is displayed. It is advisable to verify that the validity for opening a non-face-to-face compound account is met.

When the non-face-to-face authentication information is included in the account opening request information according to an embodiment of the present invention, the validation of the open account for the non-face-to-face transaction through the account opening request information further includes authenticating the non-face-to-face authentication information. It is preferable to make it.

Referring to FIG. 1, the account opening server 100 is included in the account opening request information when the validity of the open account for non-face-to-face transaction through the account opening request information is verified through the validity checking unit 120. Generate the customer ledger information for the financial account corresponding to the non-face-to-face complex account based on the customer information, and composite the financial account corresponding to the non-face-to-face complex account based on the account setting information. A ledger information generation unit 125 (or ledger information generating means) for generating account ledger information and generating loan ledger information for the non-face-to-face complex account based on the loan setting information; On the ledger system 180 for operating a ledger for a composite account, the customer ledger and the composite account ledger corresponding to the financial account corresponding to the non-face-to-face composite account; A ledger generation unit 130 for generating a loan ledger (or ledger generation unit), the customer ledger information is stored in the customer ledger, the compound account ledger information is stored in the compound account ledger, and the loan ledger An information storage unit 135 (or information storage means) for storing the loan ledger information, and an additional service checking unit for checking whether one or more additional service setting information is included in the account setting information included in the account opening request information; 140 (or additional service checking means) and additional ledger information generating unit 145 (or additional ledger information) for generating one or more additional ledger information corresponding to the identified additional service setting information when the additional service setting information is checked. Generating means) and at least one linked with the multiple account ledger or the customer ledger on a ledger system 180 for operating the ledger for the non-face-to-face composite account. Additional ledger generation unit 150 (or additional ledger generation means) for generating additional ledgers, and additional service storage unit 155 (or additional service storage) for storing respective additional ledger information in the generated one or more additional ledgers. Means).

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the ledger information generating unit 125 is based on the customer information included in the account opening request information. And to generate customer ledger information to be stored in the customer ledger for the financial account corresponding to the non-face-to-face complex account.

Here, the customer ledger information, personal information of the customer included in the customer information of the account opening request information (for example, the name of the customer, social security number, home address, work address, base information, telephone number, mobile phone number, e-mail address, etc.) ) And member information (eg, member ID information), and a customer number (eg, a Customer Information File (CIF), etc.) to be assigned to the customer. In addition, the location tracking agreement information may be further included.

In addition, the ledger information generation unit 125 is based on the basic setting information of the account setting information included in the account opening request information, the basic account ledger information for the financial account corresponding to the non-face-to-face complex account, request payment It is characterized in that the composite account ledger information including one or more ledger information, earned ledger information, deferred ledger information, resale linked ledger information, mileage / coupon ledger information, microloan ledger information.

Here, the basic account ledger information, the account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= Card including a representative account number), and the financial institution number (or code) corresponding to the non-face-to-face transaction composite account and one or more account aliases, and the card associated with the non-face-to-face transaction composite account. If is issued, it is preferable that the card further comprises the card information corresponding to the account-linked card.

The request ledger information includes request property information of the non-face-to-face complex account set through the request setting information among basic setting information of the account setting information included in the account opening request information, and through the request setting information It is preferable that the generated required account number (= required account number of the non-face-to-face transaction complex account) is further included, and preferably further comprises the required amount of money information set to the initial value '0'.

The earned meal ledger information, including the earned food attribute information of the non-face-to-face complex account set through the earned food setting information of the basic setting information of the account setting information included in the account opening request information, and through the earned food setting information It is preferable to further include the generated earning account number (= earning subaccount number of the non-face-to-face complex account), it is preferable to further comprise the earning amount information set to the initial value '0'.

The deferred ledger information includes deferred attribute information of the non-face-to-face complex account set through deferred setup information among basic setup information of account setup information included in the account opening request information, and through the deferred setup information It is preferable to further include the generated deferred account number (= deferred sub-account number of the non-face-to-face complex account), and preferably further comprises deferred amount information set to the initial value '0'.

The resale linked ledger information includes resale associated attribute information of the non-face-to-face complex account set through resale association setting information among basic setting information of account setting information included in the account opening request information. It is preferable that the resale linked account number generated through the setting information (= resale linked sub-account number of the non-face-to-face complex account) further comprises a resale-linked amount information set to the initial value '0' It is preferable to make.

The mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face complex account set through mileage / coupon setting information among basic setting information of account setting information included in the account opening request information. Preferably, the mileage / coupon account number generated through the mileage / coupon setting information (= value sub account number for mileage / coupon operation of the non-face-to-face combined account) is further included. It is desirable to further comprise mileage / coupon value information set to '.

The microloan ledger information includes microloan attribute information of the non-face-to-face complex account set through microloan setting information among the basic setting information of the account setting information included in the account opening request information, and the microloan It is preferable to further comprise a small loan account number (= small loan subaccount number of the non-face-to-face complex account) generated through the setting information, and further comprises a small loan amount information set to the initial value '0' It is preferable to make.

According to another embodiment of the present invention, if the account opening request information is omitted one or more of the demand setting information, earning type setting information, deferred setting information, resale association setting information, mileage / coupon setting information, small loan setting information, The ledger information generation unit 125 preferably does not generate the omitted ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction account (or for the non-face-to-face transaction account). After real name verification), it is preferable to set manually by the customer (or automatically by financial institution policy).

In addition, the ledger information generation unit 125 may provide credit ledger information and mortgage ledger information for a financial account corresponding to the non-face-to-face complex account based on the loan setting information included in the account opening request information. Characterized by generating loan ledger information including one or more.

Herein, the credit ledger information includes credit loan condition information of the non-face-to-face complex account set through credit loan setting information among loan setting information included in the account opening request information, and the credit loan setting information. It is preferable to further include a credit loan account number (= credit loan subaccount number of the non-face-to-face combined account for accounting) generated through, and further comprises credit information amount set to the initial value '0' It is preferable.

The mortgage ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through collateral loan setting information among loan setting information included in the account opening request information, and through the collateral loan setting information. It is preferable to further include the generated collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account), and preferably further comprises collateral loan amount information set to the initial value '0'. .

According to another embodiment of the present invention, if one or more of the credit setting information and the security loan setting information is omitted in the account opening request information, the ledger information generation unit 125 does not generate the omitted ledger information. Preferably, in this case, the omitted ledger information is automatically processed by the customer (or after the real name of the compound account for the non-face to face transaction) using the compound account for the non-face-to-face transaction. Is preferably set.

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the ledger generation unit 130 operates a ledger for the non-face-to-face compound account. Check the system 180, and generates a customer ledger, a composite account ledger and a loan ledger for the financial account corresponding to the non-face-to-face composite account on the ledger system 180.

The customer ledger may include one or more information fields for storing personal information, member information, and customer number included in the generated customer ledger information, and each information field is null. It is desirable to initialize to a value.

The customer ledger may further include an information field for storing location tracking consent information about a mobile phone corresponding to the mobile phone number of the customer.

The composite account ledger stores the account number (= representative account number of the non-face-to-face composite account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face composite account. It is preferable to include a basic account ledger made up of one or more information fields for further storing the financial institution number (or code) and the account alias corresponding to the compound account for trading, and further storing the account linked card information. Each information field of the basic account ledger is preferably initialized to a null value.

In addition, the composite account ledger stores the required payment attribute information included in the required payment ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated required payment account number (= the non-face-to-face transaction account) It is preferable to include a request ledger made up of a required subaccount number) and one or more information fields for further storing the required amount of money information, each information field of the required ledger is initialized to a null value desirable.

In addition, the composite account ledger, the earning attribute information contained in the earning ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated earned account number (= the non-face-to-face complex account It is preferable that the earning ledger made by including one or more information fields for storing the earned subaccount number) and the earned amount information more, each information field of the earned ledger is initialized to a null value desirable.

In addition, the composite account ledger stores the deferred attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated deferred account number (= the combined account for the non-faceted transaction) It is preferable to include a deferred ledger made up of a deferred subaccount number) and one or more information fields for further storing the deferred amount information, each information field of the deferred ledger is initialized to a null value desirable.

In addition, the multi-account ledger stores the resale-linked attribute information included in the resale-linked ledger information for the financial account corresponding to the non-face-to-face compounded account, and the generated resale-linked account number (= the non-face-to-face transaction) It is preferable to include a reselling ledger made up of one or more information fields for further storing the resale linked subaccount number of the compound account) and the resale linked amount information, each information field of the resale linked ledger is null ( NULL) value is preferably initialized.

In addition, the composite account ledger stores the mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated mileage / coupon account number (= the It is preferable to include a mileage / coupon ledger including a value sub account number for mileage / coupon operation of a non-face-to-face transaction account) and one or more information fields for further storing mileage / coupon value information. Each information field of the mileage / coupon ledger is preferably initialized to a null value.

In addition, the multi-account ledger stores the micro-loan attribute information included in the micro-loan ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated small loan account number (= the non-face-to-face transaction And a small loan ledger comprising one or more information fields for further storing the small loan subaccount number) and the small loan amount information of the composite account. It is desirable to initialize to a null value.

According to another embodiment of the present invention by the ledger information generating unit 125 one or more of the required ledger information, accumulated ledger information, deferred ledger information, resale linked ledger information, mileage / coupon ledger information, small loan ledger information If omitted, the ledger generation unit 130 preferably does not generate a ledger that matches the omitted ledger information, in which case the omitted ledger is a non-face-to-face complex account using process (or the non-face to face) After confirmation of the real name for the composite account for the transaction, it is preferably set manually by the customer (or automatically by the financial institution policy).

The loan ledger stores credit loan condition information (for example, condition information for applying for, reviewing and approving a credit loan in a non-face-to-face manner) included in the credit ledger information corresponding to the non-face-to-face complex account. One or more information fields for further storing the generated credit loan account number (= credit loan subaccount number of the non-face-to-face complex account), credit amount information, customer credit rating information, credit limit amount information for each credit rating It is preferable to include a credit ledger made, including, each information field of the credit ledger is preferably initialized to a null value.

In addition, the loan ledger stores mortgage loan condition information (eg, condition information for applying for, reviewing and approving a mortgage loan in a non-face-to-face manner) included in the mortgage ledger information corresponding to the non-face-to-face complex account. And, for storing the generated collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, collateral loan information of the customer, and loan limit amount information for each collateral It is preferable to include a mortgage ledger including the above information field, and each information field of the mortgage ledger is preferably initialized to a null value.

When one or more of the credit ledger information and the collateral loan ledger information are omitted by the ledger information generation unit 125 according to another embodiment of the present invention, the ledger generation unit 130 matches the omitted ledger information. It is preferable not to generate a ledger, in which case the omitted ledger is manually (or after real name verification of the non-face-to-face compound account) by the customer (or Automatically set by the financial institution policy.

When the customer ledger, the composite account ledger, and the loan ledger for the financial account corresponding to the non-face-to-face transaction composite account are generated in the ledger system 180, the information storage unit 135 is linked with the ledger system 180. By storing the customer ledger information in the customer ledger, the composite account ledger information in the composite account ledger, and the loan ledger information in the large application book, by the validity confirmation unit 120 Based on the results of face-to-face authentication, for non-face-to-face transactions without real name verification (e.g., face-to-face verification based on face-to-face verification pursuant to Presidential Decree No. 15744) It is characterized by opening a compound account.

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the additional service confirming unit 140 is valid for the account setting information included in the account opening request information. It is characterized by checking whether one or more additional service setting information is included.

If it is confirmed that the at least one additional service setting information valid is included in the account opening request information, the additional ledger information generating unit 145 receives at least one additional ledger information corresponding to the identified additional service setting information. It is characterized by generating.

Here, the additional ledger, the additional service ledger for the composite account ledger, or the combined account (or any one of the required payment, credit, deferred, resale-linked, mileage / coupon, small loans) provided in the composite account As the ledger corresponding to any one of the virtual account ledgers, the additional ledger information may include interest rate adjustment ledger information in the form of the additional service ledger (or virtual account ledger), tax added ledger information, fee adjusted ledger information, It is preferable that the payment support additional ledger information, billing / storage additional ledger information, and record information extended additional ledger information is included.

The interest rate adjustment vice ledger information may be added to / discounted the interest rate for the non-face-to-face complex account without new account / cancellation (for example, adding an interest rate for the term of the agreement between the customer and the financial institution, or Add / delete credit rate discount as an attribute of the non-face-to-face transaction account, add ledger information to remove and detach, and add / receive promotional rate (eg, receive interest rate by promotion of financial institution (or affiliated institution) Or add / delete a credit rate as an attribute of the non-face-to-face compounded account, add / remove ledger information, re-join / long-term holding interest rate (eg, re-join a customer, or maintain an account for a long time). Ledger information for adding / deleting received interest rate or discounting credit interest rate) as an attribute of the non-face-to-face transaction complex account Add / remove mileage cumulative interest rate (e.g., add interest rate based on accumulated mileage earned by a financial institution (or affiliated institution) or discount credit rate) by adding / deleting as an attribute of the non-face-to-face compound account. It is preferable to include at least one ledger information for detachment, and if the interest rate adjustment additional ledger is a virtual account ledger, the interest rate adjustment additional ledger information is the composite account (or the required payment, earning formula, It is preferable to further include an interest rate-adjusted virtual account number having one of the following: a deferred type, resale linkage, mileage / coupon, and small loan.

The tax ledger information is taxable / non-taxable (eg, non-face-to-face compounded account, or non-face-to-face transaction) for a specific period (eg, contracted term) for the non-face-to-face compounded account without a new account / cancellation. It is preferable to include at least one ledger information for adding and deleting the taxable / non-taxed to one or more of the transaction attributes included in the trading composite account as an attribute of the non-face-to-face trading composite account, and detached and detached. If the additional ledger is a virtual account ledger, the tax additional ledger information is a tax based on the composite account (or any one of the required payment, earning, deferred payment, mileage / coupon, and small loan) provided in the composite account. It is preferable to further include a virtual account number.

The fee adjustment ledger information is a fee reduction (e.g., agreement between a customer and a financial institution) for a specific period (e.g., a contract period, or a promotion period) for the non-face-to-face complex account without a new account cancellation. Ledger information to add / delete as a property of the non-face-to-face transaction complex account, and to be detached and detached, and fee reduction (for example, a financial institution (or affiliated institution)) Subscription fee) by adding / deleting as a property of the non-face-to-face transaction complex account to remove or remove ledger information, commission coupon exchange (for example, provided by a financial institution (or affiliated institution), or purchased by a customer) Ledger information for the removal and removal by adding / deleting the fee reduction through the fee reduction coupon as an attribute of the non-face-to-face complex account Preferably, the fee adjustment additional ledger information is included in the composite account (or the required payment, earning type, deferred payment, resale association, mileage / It is preferable to further include a fee adjustment virtual account number having any one of a coupon, a small loan).

The payment support additional ledger information is credited through the payment processing when the account transfer payment through the non-face-to-face transaction complex account, or the card payment processing through the card associated with the non-face-to-face transaction complex account (eg, Ledger information and fund support (e.g., fund managers (welfare funds) to add / delete mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing as an attribute of the non-face-to-face complex account. For the non-face-to-face transaction of a portion (or all) of the approval of the payment through the funds provided to the customer by a state agency / local device organization that operates the company, an insurance company that manages the benefits, a pension operator who manages the pension, etc.). Ledger information for removal / deletion by adding / deleting as an attribute of a compound account, payment fee reduction (eg, promotion of a financial institution (or affiliated institution), or Exchange of discount coupons through ledger information and mileage for adding / deleting payment fee reduction according to the payment attribute as an attribute of the non-face-to-face complex account and mileage (for example, exchanging mileage above a predetermined standard into a discount coupon) Add / delete as an attribute of the non-face-to-face transaction composite account to remove and remove ledger information and affiliate discount (for example, a discount through the provision of an affiliate service with a specific affiliated organization) as an attribute of the non-face-to-face transaction composite account. It is preferable to include at least one ledger information for adding / deleting and detaching, and when the payment support additional ledger is a virtual account ledger, the payment support additional ledger information is provided in the composite account (or the composite account) Paid, credit, deferred, resale, mileage / coupon, small loan) It is preferable to support further comprises a virtual account number.

The claim / receipt ledger information is billed to the non-face-to-face transaction composite account without new account termination / revocation (e.g., charged to the customer (= name of the non-face-to-face complex account) by one or more billing institutions). Provides ledger information and one-time storage account (eg, non-face-to-face at one or more billing institutions) to add / delete the medium for storing the billing information for a certain period of time to add and delete as an attribute of the non-face-to-face transaction complex account Ledger information for adding / deleting a single-use account created to store the charges charged to the holder of the compound account for transaction) as an attribute of the non-face-to-face compound account, and virtual for classifying the deposit account. A claim for receiving an amount charged by an account (eg, one or more billing institutions to the customer (= holder of a non-face-to-face multiple account) Addition / deletion of virtual accounts for each non-face-to-face transaction account to add / delete ledger information and automatic payment (eg, automatic transfer of billing amount per billing institution) Add / delete ledger information and electronic bill payment management (e.g., pay bill amount per billing institution through electronic bill electronically billed via telecommunications network) as an attribute of the non-face-to-face complex account Add / delete ledger information for escaping by detaching and escrow (for example, an interim account for paying billing charges per billing institution) as an attribute of the non-face-to-face complex account. It is preferable to include one or more, if the claim / storage additional ledger is a virtual account ledger, the claim / storage additional ledger Preferably, the information further includes a billing / storing virtual account number including the composite account (or any one of the required payment, saving type, deferred payment, resale linkage, mileage / coupon, and small loan) provided in the composite account. .

The record information extension additional ledger information is an account of a deposit additional information record (e.g., a merchant (or SOHO)) for a merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. To the account information for depositing and depositing the transaction details according to one or more criteria) as the expansion information of the non-face-to-face transaction complex account, and to remove and relocate the account. Ledger information for depositing / detaching by adding / deleting as an attribute of the non-face-to-face compounded account and depositing amount (e.g., classifying and counting the amount of money deposited into the non-face-to-face compounded account according to one or more criteria) Ledger information and deposit and withdrawal information (e.g., deposit details for the non-face-to-face complex account) It is preferable to include at least one ledger information for adding and deleting the information sent to or from the withdrawal history information) as extended information of the non-face-to-face transaction complex account, and the additional information ledger is the virtual account ledger. In this case, the record information extension additional ledger information is a record information extension virtual account number of the composite account (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans provided in the composite account) It is preferred to further comprise a.

On the other hand, the verification result does not include the one or more additional service setting information that is valid in the account opening request information or after the one or more additional ledger information corresponding to the additional service setting information included in the account opening request information is generated. The ledger information generation unit 145 may generate one or more automatic setting additional ledger information based on the customer information included in the account opening request information.

Here, the automatic setting additional ledger information, the financial institution of the interest rate adjustment additional ledger information, tax additional ledger information, fee adjustment additional ledger information, payment support additional ledger information, billing / storage additional ledger information, record information expansion additional ledger information It is preferable to include at least one additional ledger information that is automatically set by the policy, and further comprises a real name verification additional ledger information for the management of the real name verification of the non-face-to-face multi-account.

The real name verification additional ledger information is a limit value (for example, 500,000 won, or 2 million won) of the transaction limit amount through the non-face-to-face transaction composite account before the real name verification of the face-to-face composite account for the non-face-to-face transaction ), Limiting one or more loans (e.g., including one or more small loans, credit loans and mortgages) through the non-face-to-face compound account, and earning mileage / coupons for the non-face-to-face compound account. It is preferable to include at least one ledger information for limiting a portion (or all) of the, and when the real name verification additional ledger is a virtual account ledger, the real name verification additional ledger information is provided in the composite account (or the composite account) Real-name virtual account number with the required account, one of the following: paid, credit, deferred, resale, mileage / coupon, and small loan It comprises are preferred.

According to the method of the present invention, the real name verification additional ledger information is preferably deleted after the real name of the face-to-face method for the non-face-to-face transaction composite account, thereby unidentified real name for the non-face-to-face transaction composite account It is desirable that the limit restrictions and various transaction restrictions in accordance with the cancellation.

When one or more additional ledger information is generated by the additional ledger information generation unit 145, the additional ledger generation unit 150 is generated in the compound account ledger or the customer ledger generated on the ledger system 180. At least one additional ledger corresponding to each of the additional ledger information is generated.

Here, the interest rate adjustment vice-director, the interest rate addition / discount rate included in the generated interest rate adjustment vice-general information (eg, add interest rate or discount the credit rate during the agreement period between the customer and the financial institution agreement) ) General ledger information, promotion rate addition / discount (eg, add interest rate by promotion of a financial institution (or affiliated institution) or discount the credit rate), re-join / long-term interest rate addition / discount ( For example, the ledger information for adding a receiving rate or discounting a credit rate by re-joining a customer or by maintaining the account for a long time, and accumulating mileage accumulated by a financial institution (or affiliate) Including one or more information fields for storing ledger information for adding interest rates or discounting credit rates based on Preferably, each information field of the interest rate adjustment additional ledger is initialized to a null value. When the interest rate adjustment additional ledger is a virtual account ledger, the interest rate adjustment additional ledger is a rate adjustment virtual account number. Through the compound account (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans) provided in the compound account is preferably linked to the parent account of the interest rate adjustment virtual account.

The VAT is included in the taxation / non-taxation (eg, non-face-to-face compounded account, or the non-face-to-face transaction complex account) for a specific period (eg, contract period) included in the generated tax ledger information. It is preferable to include one or more information fields for storing the ledger information for taxation / non-taxation of one or more transaction attributes, each information field of the tax ledger is initialized to a null value And, if the tax ledger is a virtual account ledger, the tax ledger, through the tax virtual account number, the combined account (or the required payment, earning, deferred, resale associated, mileage / coupon, small amount provided in the compound account) It is preferable to link any one of the loans to the parent account of the tax virtual account.

The fee adjustment vice-chairman is responsible for the fee reduction (eg, fee reduction due to the agreement between the customer and the financial institution) for a specific period (eg, a contract period or a promotion period) included in the generated fee adjustment vice president information. Ledger information for the purpose, fee reduction by promotion (e.g. fee reduction due to inclusion (or subscription) by the customer in the promotion of the financial institution (or affiliate)), exchange of coupon coupons (e.g., financial institution (or affiliation) Institution) or one or more information fields for storing ledger information for fee reduction through a fee reduction coupon purchased by a customer). NULL), and when the fee adjustment additional ledger is a virtual account ledger, The coordinating vice-chairman, through the fee adjustment virtual account number to the mother of the fee adjustment virtual account of the compound account (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans) provided in the compound account It is preferable to interlock leftward.

The payment support additional ledger is ledger information and fund support (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing) included in the generated payment support additional ledger information. , Approving part (or all) of payment authorizations through funds provided to the client by fund operators (national agencies / local device organizations that operate welfare funds, insurance companies that operate benefits, pension operators who manage pensions, etc.) Ledger information for payment, reduction of payment fees (e.g. promotion of financial institutions (or affiliated institutions), or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g. Ledger information for exchange of discount coupons; circle for affiliate discounts (e.g., discounts through the provision of affiliate services with certain affiliates) It is preferable to include at least one information field for storing the chapter information, each information field of the payment support additional ledger is preferably initialized to a null value, the payment support additional ledger is a virtual account ledger In this case, the payment support vice president, the payment support virtual account number through the payment support (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans provided in the compound account) It is preferable to link to the parent account of the virtual account.

The billing / receiving vice-chairman schedules billing information that is included in the generated billing / receiving vice-receiver information (eg, one or more billing institutions billing the customer (= name of a non-face-to-face transaction account)). Provide ledger information for a storage medium for a period of time, and provide a disposable storage account (e.g., a one-time account created by one or more billing institutions to store the charges billed to the customer (= holder of a non-face-to-face multiple account) Ledger information, virtual account for deposit account classification (e.g., virtual account for each billing institution for storing the amount charged by the one or more billing institutions to the customer (= holder of the non-face-to-face multiple account) Ledger information for payment, ledger information for automatic payment (e.g., direct debit for billing agency), electronic bill payment management (e.g., electronic One or more information fields for storing ledger information for billing by billing institution through electronic billing with a bill, and ledger information for escrow (e.g., an interim account for paying billing by billing agency) Preferably, the information field of the claim / receive additional ledger is initialized to a null value, and when the claim / receive additional ledger is a virtual account ledger, the claim / receive additional ledger Is a billing / receiving virtual account number through the composite account (or any one of the required payment, credit, deferred, resale associated, mileage / coupon, small loans provided in the composite account) to the parent account of the claim / storage virtual account It is preferable to interlock.

The record information extension additional ledger is for depositing a deposit additional information record (for example, SOHO) for the merchant (or SOHO) included in the generated record information extension additional ledger information into an account. Ledger information for depositing / deleting by adding / deleting the breakdown information according to one or more criteria) as extension information of the non-face-to-face complex account and depositing loan (eg, receivable security loan) Information, ledger information for classifying / aggregating deposit amounts (e.g., classifying and counting amounts deposited into non-face-to-face compound accounts according to one or more criteria), and deposit and withdrawal information (e.g., deposit details for non-face-to-face compound accounts). To at least one information field for storing the ledger information. Preferably, the information field is initialized to a null value. When the record information extension supplementary ledger is a virtual account ledger, the record information extension supplementary ledger is configured to execute the composite account (or the It is preferable to link any one of the required payment, earning type, deferred type, resale association, mileage / coupon, and small loan provided in the composite account to the mother account of the record information extension virtual account.

The real name verification vice-chairman, the amount of transaction limit through the non-face-to-face compound account before the face-to-face real-name verification of the non-face-to-face compound account, a predetermined limit amount (for example, 500,000 won, or 2 million won) Ledger information to be managed within, ledger information for limiting one or more loans (e.g., including one or more small loans, credit loans, mortgage loans) through the non-face-to-face compound account, mileage for the non-face-to-face compound account / At least one information field for storing the ledger information for limiting a portion (or all) of the coupon accumulation, each information field of the record extension information ledger is initialized to a null value Preferably, when the real name verification additional ledger is a virtual account ledger, the real name verification additional ledger, through the real name verification virtual account number It is preferably linked to a parent account of the account-based compound (or the demand, installment, geochisik, resale linkage, miles / coupon, either a small loans included in the composite accounts) to determine the real name of the virtual account.

When one or more additional ledgers associated with the multiple account ledger or the customer ledger are generated in the ledger system 180, the additional service storage unit 155 is connected to the ledger system 180 to the multiple account ledger to the customer ledger. By storing each of the additional ledger information corresponding to each of the one or more additional ledgers generated in association with each other, the real name verification for the customer based on the non-face-to-face authentication result through the validity checker 120 (eg, a financial real name transaction). And the establishment of a non-real name non-face-to-face multi-party account without face-to-face verification based on face-to-face verification by the Act on Confidential Security and Concurrent Decree (Presidential Decree No. 15744).

Referring to FIG. 1, when the account opening server 100 stores respective additional ledger information corresponding to each of the one or more additional ledgers generated by the additional service storage unit 155, the ledger system 180 And an additional ledger add / delete unit 160 (or additional ledger add / delete means) for processing the additional ledger in which the additional ledger information is stored in the multiple account ledger or the customer ledger in association with the additional ledger system. Log information storage unit for processing the additional ledger log information for adding the additional ledger to the multi-account ledger or the customer ledger in association with the additional service ledger D / B provided in the ledger system 180 165 (or log information storage means).

When each additional ledger information corresponding to each of the one or more additional ledgers generated by the additional ledger generation unit 150 is stored by the additional service storage unit 155, the additional ledger addition / deletion unit 160 The additional ledger in which the additional ledger information is stored in association with the ledger system 180 may be added to the multi-account ledger or the customer ledger generated by the ledger generator 130.

According to an embodiment of the present invention, the additional ledger add / delete unit 160 activates the additional ledger by storing the additional ledger information through the additional service management ledger provided in the ledger system 180. It is preferable to process to be added to the multi-account ledger or customer ledger.

When the additional ledger in which the additional ledger information is stored is added to the compound account ledger or the customer ledger, the log information storage unit 165 connects the additional ledger to the compound account ledger or the customer ledger in association with the ledger system 180. The additional ledger log information for the addition is generated and processed to be stored in the additional service log D / B provided in the ledger system 180.

Referring to Figure 1, the account opening server 100, the validity of the non-face-to-face transaction through the account opening request information through the validity confirmation unit 120 is authenticated, the ledger system 180 When the non-face-to-face transaction composite account corresponding to the account opening request information is opened, an account opening electronic document including the account opening request information and financial account information on the financial account corresponding to the non-face-to-face transaction composite account is generated. Electronic document generation unit 170 (or electronic document generation means) and the electronic document transmission unit 175 (or electronic document transmission) for transmitting the generated account opening electronic document to the electronic document storage associated with the financial account opening system. Means).

Opening of the composite account for non-face-to-face transactions through the account opening request information is validated through the validity checker 120, and a non-face-to-face transaction composite account corresponding to the account opening request information is opened in the ledger system 180. If so, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and includes the account opening request information. Generate the electronic document information and the electronic document form including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, After including the electronic document information, generating an advisory before opening the account to encrypt or digital signature according to a predetermined electronic document generation method It characterized.

According to one embodiment of the present invention, the electronic document generation unit 170 includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction account, Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information, and the document content A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc., or a web document file including an MHT) It is preferable to process the account opening electronic document for opening the non-face-to-face complex account.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. Generate document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and the electronic document verification information preset in the document content. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. Opening an account for opening a non-face-to-face compound account, such as a word processor file including one or more, or a web document file including an MHT) Advice is preferred to process each other.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content It is preferable to process an image file containing content (eg, image content generated by capturing the document content on a memory) into an account opening electronic document for opening a non-face-to-face compound account.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content After the electronic document verification information is included in the content (eg, the image content generated by capturing the document content on the memory) by a watermarking method, the image file including the image content including the watermarking is included. It is preferable to process the account opening electronic document for opening a non-face-to-face compound account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 170 includes customer information included in the account opening request information and financial account information on a financial account corresponding to the non-face-to-face transaction account. Generating document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content (e.g., image content generated by capturing the document content on a memory) and capturing the content; Or generating a word processor file including one or more HWP / DOC, or a web document file including MHT). That the account opening process to electronic documents for opening accounts for complex transactions are preferred.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content Generates image content including electronic document verification information set in a watermarking manner in content (for example, image content generated by capturing the document content on a memory), and includes image content including the watermarking. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) By creating a web page file, and so on) that include the word-processor file, or MHT containing one or more, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

According to another exemplary embodiment of the present invention, the electronic document generating unit 170 includes customer information included in the account opening request information and financial account information of a financial account corresponding to the non-face-to-face complex account. And generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. Image content capturing document content (eg, image content generated by capturing the document content on a memory) and a document file corresponding to the document content (eg, a Portable Document Format (PDF) file, or EDI (Electronic)). Data Interchange) file, a word processor file including one or more HWP / DOC, or a web document file including MHT). Thereby, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content Generating image content including electronic document verification information preset in a content (for example, image content generated by capturing the document content on a memory) by a watermarking method, the image content including the watermarking and the Document files corresponding to document contents (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI)) File, or a word processor file including one or more HWP / DOC, or a web document file including MHT), and the like, to process the account opening electronic document for opening a non-face-to-face compound account. .

Those skilled in the art to which the present invention pertains, the electronic document generation unit 170 to the technical features to create an account opening electronic document in the form of an image file or document file, and the account opening electronic document Since the technical features of the file format for the corresponding image file or document file will be familiar, detailed description thereof will be omitted for convenience.

When the account opening electronic document is generated by the electronic document generating unit 170, the electronic document transmitting unit 175 transmits the generated account opening electronic document to the electronic document storage associated with the financial account opening system. Characterized in that for storing.

As shown in FIG. 1, the electronic document repository includes an electronic document server 185 and an electronic document D / B 190 connected to an account opening server 100 on the financial account opening system through a communication network. When provided in the, the electronic document transmission unit 175 is characterized in that for transmitting the account opening electronic document generated by the electronic document generation unit 170 to the electronic document server 185 via the communication network. .

Here, when the electronic document server 185 and the electronic document D / B 190 is provided outside the financial account opening system, the electronic document server 185 and the electronic document D / B 190 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the electronic document transmission unit 175 is generated by the electronic document generation unit 170. It is possible to store the account opening electronic document in the electronic document D / B 190 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 175 may include electronic document related information for generating electronic document management information in the electronic document server 185 (for example, customer information included in the account opening request information). And one or more financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the non-face-to-face complex account, thereby transmitting to the electronic document repository. The present invention is not limited.

Referring to FIG. 1, an electronic document server 185 corresponding to an electronic document repository for receiving and managing the account opening electronic document from the account opening server 100 provided on the financial account opening system is provided through a communication network. Electronic document management unit 186 for receiving the account opening electronic document from the account opening server 100, and electronic document management information for storing and managing the received account opening electronic document in the electronic document D / B 190. And an electronic document storage unit 188 for linking the electronic document management information and the account opening electronic document and storing the electronic document management information in the electronic document D / B 190. It features.

The electronic document receiving unit 186 may receive an account opening electronic document in the form of an image file or a document file from the account opening server 100 through the communication network.

According to one embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 186 through the communication network, the account opening request information received by the account opening server 100 from the client terminal 195. It includes customer information included in the financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including one or more non-face-to-face authentication result information through the non-face-to-face authentication information. A word processor file including one or more, or a web document file including an MHT).

Alternatively, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network includes customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information After including the electronic document verification information preset in the document content including one or more non-face-to-face authentication result information by a watermarking method, a document file (eg, PDF (Portable) containing the document content including the watermarking. Document Format (MDI) files, Electronic Data Interchange (EDI) files, or word processor files including one or more HWP / DOC, or MHT. It comprises a web page file, and so on), including preferred.

Alternatively, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network includes customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including one or more non-face-to-face authentication result information.

Alternatively, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network includes customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. After including in a manner, the watermarking comprises an image file containing the image content included It is preferred.

According to another embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 186 through the communication network, the account opening request received by the account opening server 100 from the client terminal 195. The account information includes the customer information included in the information and the financial account information of the financial account corresponding to the non-face-to-face complex account, and includes the account setting information, the loan setting information, and the account opening request information included in the account opening request information. A document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through the included non-face-to-face authentication information. (For example, a war that includes one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC). Deprocessor file, or web document file including MHT).

Alternatively, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network includes customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. A document file including an image content including an image content including the watermarking, Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). .

According to another embodiment of the present invention, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network, the account opening server 100 received from the client terminal 195. Customer account information included in the request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account; account setting information, loan setting information, and account opening request information included in the account opening request information. Image content (eg, image content generated by capturing the document content on a memory) and the document including document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the document. A document file corresponding to the content (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) And at least one word processor file or web document file including MHT).

Alternatively, the account opening electronic document that the electronic document receiving unit 186 receives through the communication network includes customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. Generating image content including the image content, and generating the image content including the watermarking and the document content. A corresponding document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

The information generating unit 187 is an electronic document unique number (or unique information) to be assigned to the account opening electronic document received through the electronic document receiving unit 186, and the account opening electronics through the electronic document receiving unit 186. And generating electronic document management information including electronic document storage date and time information including a date and a time at which the document was received (or a date and time at which the account opening electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 187 refers to the account opening electronic document by referring to the account opening server 100 that has transmitted the account opening electronic document received through the electronic document receiving unit 186. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 100 through the electronic document receiving unit 186, the information generating unit 187 may receive the received electronic document. Document-related information (e.g., at least one of customer information included in the account opening request information and financial account information, financial institution information, and electronic document file format information of a financial account corresponding to the non-face-to-face complex account); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 188 associates an account opening electronic document received through the electronic document receiving unit 186 with electronic document management information generated through the information generating unit 187 to process an electronic document D / B. It characterized in that the storage at 190.

According to the exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is the account opening server 100 from the client terminal 195. Customer account information included in the received account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction account, and account setting information and loan setting information included in the account opening request information and the A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. Or a word processor file including one or more HWP / DOC, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Document file including the document content including the watermarking after including the electronic document verification information set in the watermarking method in the document content including at least one non-face-to-face authentication result information through the non-face-to-face authentication information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc., or M Web document file including HT).

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information. It is preferable to make it.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication information. After the watermarking (Watermarking) method, including the image file containing the image content including the watermarking It is desirable.

According to another embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is the account opening server 100 is the client terminal 195 Customer account information included in the account opening request information received from the financial account information for the financial account corresponding to the non-face-to-face transaction complex account; account setting information and loan setting information included in the account opening request information; Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) Word processor files, or web document files containing MHT).

Alternatively, the account opening request information stored in the electronic document D / B 190 by the electronic document storage unit 188 may be account opening request information received by the account opening server 100 from the client terminal 195. It includes customer information included in the financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information Pre-configured electronic document verification of image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more non-face-to-face authentication result information through the non-face-to-face authentication information A document file including image content including information by watermarking and generating the watermarking method. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). Do.

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is configured by the account opening server 100 in the client terminal 195. Customer information included in the account opening request information received from the) and the financial account information for the financial account corresponding to the non-face-to-face complex account, and the account setting information and the loan setting information included in the account opening request information. And image content (eg, capturing the document content on a memory) to capture document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. Image content) and a document file corresponding to the document content (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). It is preferred which comprises a Web document file, and so on) that include the word-processor file, or MHT comprising one or more than one.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 188 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication information. Generating image content including a watermarking method, and generating the image content including the watermarking and the document content. A corresponding document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 190 by the electronic document storage unit 188 in association with the account opening electronic document is stored in the account opening electronic document. Preferably, the assigned electronic document unique number (or unique information) 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 190 by the electronic document storage unit 188 in association with the account opening electronic document is the account opening electronic document. It is preferable that the financial institution further includes information on the financial institution that has transmitted the account opening electronic document, which has been identified with reference to the account opening server 100 that has transmitted.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 100, the electronic document storage unit 188 associates with the account opening electronic document and processes the electronic document. The electronic document management information stored in the D / B 190 includes information about the received electronic document related information (for example, customer information included in the account opening request information and a financial account corresponding to the non-face-to-face complex account). Financial account information, financial institution information, and electronic document file format information).

2 is a diagram illustrating a ledger system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

In more detail, Figure 2 is provided with a non-face-to-face transaction function that includes one or more required payments, earning, deferred, resale-linked, mileage / coupon, small loans in one compound account ledger 205, the interest rate adjustment of the compound account FIG. 1 for establishing a non-face-to-face compound account for providing tax, fee adjustment, payment support, billing / receipt, and record information expansion through an additional ledger 220 detachable from the compound account ledger 205. The structure of the ledger system for a non-face-to-face compounded account opened through the financial account opening system shown in FIG. 1, specifically, the customer ledger 210 and the compound account ledger 205 corresponding to the non-face-to-face compounded account. And one or more additional ledgers 220 are shown in one ledger system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the ledger system configuration corresponding to the non-face-to-face complex account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, in the ledger system shown in FIG. 2, although the credit ledger and the mortgage ledger are shown in the form of an internal ledger of the compound account ledger 205, the present invention is not limited thereto, and the credit ledger and The mortgage ledger may be implemented in the form of an independent ledger linked relationally with the composite account ledger 205, and it is apparent that the present invention includes all the inferred implementation methods.

Referring to FIG. 2, in the ledger system corresponding to the non-face-to-face transaction composite account, the customer ledger 210 and the compound account ledger 205 generated through the financial account opening system shown in FIG. 1 are connected in a relational manner. At least one additional ledger 220 generated through the financial account opening system shown in FIG. 1 is added / deleted to the multiple account ledger 205 to the customer ledger 210 through the additional service management ledger 215. It characterized in that it comprises a ledger structure that is detached in a manner, and the customer ledger 210, the composite account ledger 205 and one or more additional ledgers 220 corresponding to the non-face-to-face transaction complex account 1 It is characterized in that it comprises a ledger operating interface 200 to interface with the account opening server 225 and one or more non-face-to-face transaction server 230 shown in.

Here, the customer ledger 210 is a ledger including one or more information fields for storing the customer's personal information, member information and customer number, the customer's personal information (for example, customer's name, social security number, home Address, work address, base information, telephone number, mobile phone number, e-mail address, etc.) and member information (e.g., member ID information), and a customer number (e.g., Customer Information File (CIF), etc.) to be assigned to the customer. Characterized in that for storing.

Meanwhile, the customer ledger 210 may further include an information field for storing location tracking agreement information on the mobile phone corresponding to the mobile phone number of the customer, or may store the location tracking agreement information.

In addition, the composite account ledger 205 is a basic account ledger, a demand ledger, a reserve ledger, a deferred ledger, a resale linked ledger, a mileage / coupon ledger, a small loan ledger for a financial account corresponding to the non-face-to-face composite account Characterized in that it comprises one or more, characterized in that further comprises a credit loan ledger and secured loan ledger.

Here, the basic account ledger stores the representative account number of the non-face-to-face composite account, and further stores a financial institution number (or code) corresponding to the non-face-to-face composite account, an account alias, and the account. A ledger comprising one or more information fields for further storing linked card information, which is linked relationally with the customer ledger 210 and one or more additional ledgers 220 are added through the additional service management ledger 215. It is preferable to be detached / deleted.

The required ledger stores one or more required attribute information for the non-face-to-face transaction composite account and further stores the required account number (= the required sub account number of the non-face-to-face composite account) and the required amount of money information. As the ledger including an information field, it is preferable to be associated with the customer ledger 210 in a relational manner, and that at least one additional ledger 220 is detached in an addition / deletion manner through the additional service management ledger 215. .

The earning ledger, at least one for storing the earning type attribute information for the non-face-to-face complex account, and further stores the earning account number (= earning sub account number of the non-face-to-face complex account) and earned amount information As the ledger including an information field, it is preferable to be associated with the customer ledger 210 in a relational manner, and that at least one additional ledger 220 is detached in an addition / deletion manner through the additional service management ledger 215. .

The deferred ledger stores one or more deferred attribute information for the non-face-to-face complex account and further stores deferred account number (= deferred sub-account number of the non-face-to-face complex account) and deferred amount information. As the ledger including an information field, it is preferable to be associated with the customer ledger 210 in a relational manner, and that at least one additional ledger 220 is detached in an addition / deletion manner through the additional service management ledger 215. .

The reseller linked ledger stores resold association attribute information for the non-face-to-face compounded account, and further includes a resold-linked account number (= resale-linked subaccount number of the non-face-to-face compounded account) and resale-associated amount information. A ledger comprising one or more information fields for storing, which is relationally associated with the customer ledger 210, the one or more additional ledgers 220 through the additional service management ledger 215 is separated in an add / delete manner It is preferable to attach.

The mileage / coupon ledger stores mileage / coupon attribute information for the non-face-to-face complex account, and a mileage / coupon account number (= value-based sub-account for mileage / coupon operation of the non-face-to-face complex account). Number) and one or more information fields for further storing mileage / coupon value information, which are relationally associated with the customer ledger 210 and one or more additional ledgers through the additional service management ledger 215. It is preferable that 220 be detached in an add / delete manner.

The microloan ledger stores microloan attribute information for the non-face-to-face complex account, and further includes a microloan account number (= microloan subaccount number of the non-face-to-face complex account) and microloan amount information. A ledger comprising one or more information fields for storing, which is relationally associated with the customer ledger 210, the one or more additional ledgers 220 through the additional service management ledger 215 is separated in an add / delete manner It is preferable to attach.

The credit ledger stores the credit condition information for the non-face-to-face composite account, credit loan account number (= credit loan sub-account number of the non-face-to-face complex account), credit amount information, customer A ledger including one or more information fields for further storing credit rating information and loan limit amount information for each credit rating. The ledger is relationally associated with the customer ledger 210 and one through the additional service management ledger 215. It is preferable that the above additional ledger 220 is detached in an add / delete manner.

The mortgage ledger stores the collateral loan condition information for the non-face-to-face complex account, the collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, customer Ledgers including one or more information fields for further storing the information on the collateral, the loan limit amount for each collateral, linked in relation to the customer ledger 210, through the additional service management ledger 215 At least one additional ledger 220 is preferably detached in an add / delete manner.

In addition, the additional ledger 220, the additional service ledger for the composite account ledger 205, or the combined account (or the required payment, credits, deferred, resale association, mileage / coupon, small loans provided in the composite account) As a general ledger corresponding to any one of the virtual account ledgers having the parent account as the parent account; ), Claim / storing additional ledger 220, record information expansion additional ledger 220, characterized in that it comprises one or more, the additional ledger 220 is the composite account ledger through the additional service management ledger 215 (205) to the customer ledger 210 is characterized in that the addition / deletion method.

Here, the interest rate adjustment additional ledger 220, the interest rate addition / discount rate included in the generated interest rate adjustment additional ledger 220 information (for example, added interest rate during the agreement period by the agreement between the customer and the financial institution) Ledger information for the purpose of discounting the credit rate), ledger information for adding or discounting the promotion rate (for example, adding a receiving interest rate by promotion of a financial institution (or its affiliated institution) or discounting the credit rate), rejoining / long term Ledger information for adding / discounting maintenance interest rates (e.g., re-joining customers or adding interest rates by retaining accounts for a long time, or discounting credit interest rates), adding / discounting accumulated mileage interest rates (e.g., financial institutions (or affiliates) ), Including one or more information fields for storing ledger information for adding interest rates or discounting credit rates based on the accumulated mileage Preferably, when the interest rate adjustment additional ledger 220 is a virtual account ledger, the interest rate adjustment additional ledger 220 is the composite account (or the required payment, reserve type, deferred, resale associated, It is preferable to further include an information field for storing the interest rate adjustment virtual account number linking any one of the mileage / coupon, small loans) to the parent account of the interest rate adjustment virtual account.

The tax ledger 220 may be taxed / non-taxed (eg, a non-face-to-face compounded account, or the non-face-to-face transaction) for a specific period (eg, a contract period) included in the generated tax ledger 220 information. It is preferable to include one or more information fields for storing the ledger information for the taxation (non-taxable) for one or more transaction attributes included in the composite account for the account, if the tax ledger 220 is a virtual account ledger, The tax additional ledger 220, the tax associated with the composite account (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans provided in the composite account) to the parent account of the tax virtual account It is preferable to further include an information field for storing the virtual account number.

The fee adjustment additional ledger 220 is a fee reduction (eg, agreement between a customer and a financial institution) for a specific period (eg, an agreement period or a promotion period) included in the generated fee adjustment additional ledger 220 information. Ledger information for fee reductions), ledger information for fee reductions (e.g., fee reductions by the customer's inclusion (or subscription) in the promotion of a financial institution (or affiliate)), exchange of fee coupons (e.g., , At least one information field for storing ledger information provided by a financial institution (or affiliated institution) or for a fee reduction through a fee reduction coupon purchased by a customer. When 220 is the virtual account ledger, the fee adjustment additional ledger 220 is the required payment, redemption provided in the composite account (or the composite account) It is preferable to further include an information field for storing a fee adjustment virtual account number for linking the lip, deferred, resale association, mileage / coupon, small loans) to the mother account of the fee adjustment virtual account.

The payment support additional ledger 220 is a ledger for mileage accumulation (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing) included in the generated payment support additional ledger 220 information. Information, funding (e.g., a portion of payment approval through funds provided to the client by fund managers (national agencies / local device organizations that run welfare funds, insurance companies that operate benefits, pension operators who manage pensions, etc.) Ledger information), ledger information for payment fee reduction (e.g., promotion of a financial institution (or affiliated agency), or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g., Ledger information for exchanging mileage above the preset criteria into discount coupons, and affiliate discounts (e.g., discounts through the provision of affiliate services with specific affiliates) It is preferable to include at least one information field for storing the ledger information for, if the payment support additional ledger 220 is a virtual account ledger, the payment support additional ledger 220, the composite account (or the Further comprising an information field for storing the payment support virtual account number that is linked to the mother account of the payment support virtual account of the required payment, earning, deferred, resale association, mileage / coupon, small loans provided in the composite account; It is preferable to make.

The billing / receiving ledger 220 is included in the generated billing / receiving ledger 220 information (for example, at least one billing institution to the customer (= name of the compound account for non-face-to-face transaction)). Provide ledger information for the billing information to be stored for a certain period of time, and provide a disposable storage account (e.g., to store the amount charged to the customer (= name of the non-face-to-face combined account) by one or more billing institutions) Ledger information for providing one-time accounts created for the purpose of accounting, virtual accounts for classifying deposit accounts (e.g., billing for storing the charges charged to the customer (= name of a non-face-to-face combined account) by one or more billing institutions) Ledger information for institutional virtual accounts), ledger information for automatic payments (e.g., billing transfers by billing agency), and electronic bill payment management (e.g. One or more information for storing ledger information for billing by billing authority through electronic billing electronic billing, and ledger information for escrow (e.g., interim accounts for paying billing by billing agency). It is preferable to include a field, and when the claim / storage additional ledger 220 is a virtual account ledger, the claim / storage additional ledger 220, the required payment, or earning formula provided in the composite account (or the composite account) It is preferable to further include an information field for storing the billing / storage virtual account number linking the deferred, resale association, mileage / coupon, small loans) to the parent account of the billing / storage virtual account.

The record information extension additional ledger 220 records a deposit additional information for the affiliate store (or SOHO) included in the generated record information extension additional ledger 220 information (for example, the affiliate store (or SOHO)). Account information for depositing / detaching by adding / deleting and depositing the payment history information into the account of one or more criteria as the expansion information of the non-face-to-face complex account (eg, account receivable collateral) Ledger information for loans, ledger information for sorting / aggregating deposit amounts (e.g., classifying and counting amounts deposited into non-face-to-face compound accounts according to one or more criteria), and withdrawal information (e.g., compound accounts for non-face-to-face transactions) Deposit information information or withdrawal history information) for at least one information field for storing ledger information. When 220 is a virtual account ledger, the recording information expansion additional ledger 220 is any one of the composite account (or required payment, credit, deferred, resale association, mileage / coupon, small loans provided in the composite account) ) Further includes an information field for storing the record information extension virtual account number linked to the parent account of the record information extension virtual account.

According to the present invention, the additional service management ledger 215, the interest rate adjustment ledger 220, the tax ledger 220, commission adjustment ledger 220, payment support ledger 220, billing / storage One or more additional ledgers 220 of the additional ledger 220 and the recording information extension additional ledger 220 are added to the multiple account ledger 205 to the customer ledger 210, and vice versa. Deactivates and deletes from the multiple account ledger 205 to the customer ledger 210, and the additional ledger 220 log information for the addition / deletion of the additional ledger 220 to reset / modify the information of the additional ledger 220 To generate and store in the additional service log D / B (not shown).

According to an embodiment of the present invention, when the interest rate adjustment for the compound account is requested (or set) from the account opening server 225 to one or more non-face-to-face transaction servers 230 associated with the ledger system, the additional service The management ledger 215 activates the interest rate adjustment additional ledger 220, adds the compound account ledger 205 to the customer ledger 210, and then adds the interest rate adjustment additional ledger 220 to the additional ledger 220. It is preferable to generate log information and store it in the additional service log D / B, or when the interest rate for the composite account is reset / modified from the account opening server 225 or more than one non-face-to-face transaction server 230, The additional service management ledger 215 modifies (or updates) the additional ledger 220 information related to the interest rate adjustment after the interest rate adjustment additional ledger 220 is activated, and then the interest rate adjustment additional ledger (220) It is preferable to generate the additional ledger 220 log information for the reset / correction and to store in the additional service log D / B, or from the account opening server 225 to one or more non-face-to-face transaction server 230 When the interest rate for the composite account is restored, the additional service management ledger 215 deactivates the interest rate adjustment additional ledger 220 and deletes it from the composite account ledger 205 to the customer ledger 210. It is preferable to generate the additional ledger 220 log information for deleting the interest rate adjustment additional ledger 220 and store it in the additional service log D / B.

Alternatively, when the taxation / non-taxation setting for the compound account is requested (or set) from an account opening server 225 to one or more non-face-to-face transaction servers 230 associated with the ledger system, the additional service management ledger 215 ) Activates the tax ledger 220, adds it to the multiple account ledger 205 to the customer ledger 210, and then generates and adds additional ledger 220 log information for the tax ledger 220 added. It is preferable to store in the service log D / B, or if the tax / non-tax setting conditions for the compound account is reset / modified from the account opening server 225 to one or more non-face-to-face transaction server 230, the addition The service management ledger 215 revises (or updates) the information of the additional ledger 220 related to the tax / non-tax setting in the state where the tax ledger 220 is activated, and then resets the tax ledger 220. It is preferable to generate the additional ledger 220 log information for the correction / correction and store in the additional service log D / B, or from the account opening server 225 to one or more non-face-to-face transaction server 230 In the case of restoring the taxation / non-tax setting condition for the original condition, the additional service management ledger 215 deactivates the tax additional ledger 220 and deletes it from the multi-account ledger 205 to the customer ledger 210. It is preferable to generate the additional ledger 220 log information for deleting the tax ledger 220 and store it in the additional service log D / B.

Alternatively, when the fee adjustment for the compound account is requested (or set) from the account opening server 225 to one or more non-face-to-face transaction servers 230 associated with the ledger system, the additional service management ledger 215 is The fee adjustment additional ledger 220 is activated to be added to the compound account ledger 205 to the customer ledger 210, and then additional and generated additional ledger 220 log information for the fee adjustment additional ledger 220 is added. It is preferable to store in the service log D / B, or if the fee for the compound account is reset / modified from the account opening server 225 to one or more non-face-to-face transaction server 230, the additional service management ledger ( 215, after modifying (or updating) the additional ledger 220 information related to the fee adjustment in the state in which the fee adjustment vice-chair 220 is activated, the fee adjustment vice-chair 220 It is preferable to generate additional ledger 220 log information for reset / modification and store the additional ledger 220 log information in the additional service log D / B, or from the account opening server 225 to one or more non-face-to-face transaction servers 230. In the case of restoring the fee for the original fee, the additional service management ledger 215 deactivates the fee adjusted additional ledger 220 and deletes the fee from the multiple account ledger 205 to the customer ledger 210 and then adds the fee adjusted additional ledger. It is preferable to generate the additional ledger 220 log information for deleting the ledger 220 and store it in the additional service log D / B.

Alternatively, when payment support for the composite account is requested (or set) from the account opening server 225 to one or more non-face-to-face transaction servers 230 associated with the ledger system, the additional service management ledger 215 may After activating the payment support ledger 220 is added to the multi-account ledger 205 to the customer ledger 210 to generate the additional ledger 220 log information for the additional payment support ledger 220 It is preferable to store in the service log D / B, or if the payment support conditions for the complex account from the account opening server 225 to one or more non-face-to-face transaction server 230, the additional service management The ledger 215 resets / receives the payment support additional ledger 220 after correcting (or updating) the additional ledger 220 information related to the payment support while the payment support additional ledger 220 is activated. It is preferable to generate additional ledger 220 log information for and store the additional ledger log information in the additional service log D / B, or from the account opening server 225 to one or more non-face-to-face transaction servers 230 for the composite account. In the case of restoring the support condition, the additional service management ledger 215 deactivates the payment support additional ledger 220 and deletes it from the compound account ledger 205 to the customer ledger 210 and then the payment support additional ledger. (220) It is preferable to generate the additional ledger 220 log information for deletion and store the additional ledger 220 log information in the additional service log D / B.

Alternatively, when the request / or set-up of the composite account is requested (or set) from the account opening server 225 or one or more non-face-to-face transaction servers 230 linked to the ledger system, the additional service management ledger 215 ) Activates the claim / receive additional ledger 220 and adds it to the composite account ledger 205 to the customer ledger 210, and then adds the additional ledger 220 log information for the additional claim / received ledger 220. It is preferable to generate and store in the additional service log D / B, or from the account opening server 225 to one or more non-face-to-face transaction server 230, the billing / receipt setting conditions for the composite account is reset / modified In this case, the supplementary service management ledger 215 modifies (or updates) the additional ledger 220 information related to the billing / receipt setting while the billing / receiving supplementary ledger 220 is activated. Storage It is preferable to generate additional ledger 220 log information for resetting / modifying ledger 220 and storing in additional service log D / B, or the account opening server 225 to one or more non-face-to-face transaction server 230 In the case of restoring the billing / receipt setting conditions for the compound account from the original, the additional service management ledger 215 deactivates the billing / receipt additional ledger 220 to restore the compound account ledger 205 to the customer ledger 210. After deleting from), it is preferable to generate the additional ledger 220 log information for deleting the claim / received additional ledger 220 and store it in the additional service log D / B.

Alternatively, when the record information extension for the compound account is requested (or set) from the account opening server 225 or one or more non-face-to-face transaction servers 230 associated with the ledger system, the additional service management ledger 215 Activates the recording information extension additional ledger 220 and adds it to the multi-account ledger 205 to the customer ledger 210, and then adds the additional ledger 220 log information for the additional recording information extension ledger 220. It is preferable to generate and store in the additional service log D / B, or when the record information extension for the composite account is reset / modified from the account opening server 225 to one or more non-face-to-face transaction server 230, The supplementary service management ledger 215 corrects (or updates) the additional ledger 220 information related to the recording information expansion while the recording information extension additional ledger 220 is activated, and then records the recorded information expansion. It is preferable to generate additional ledger 220 log information for resetting / modifying additional ledger 220 and to store in additional service log D / B, or the account opening server 225 to one or more non-face-to-face transaction server 230 In the case of restoring the record information extension for the compound account from the original, the supplementary service management ledger 215 deactivates the record information extension supplementary ledger 220 so that the compound account ledger 205 to the customer ledger 210 are restored. After deleting from the additional information ledger 220 to delete the recording information extension ledger 220 is generated and preferably stored in the additional service log D / B.

According to the present invention, the ledger operating interface 200, an account opening channel for opening the composite account for the non-face-to-face transaction on the ledger system in the account opening server 225, or one or more non-face-to-face transaction server ( A ledger management system (e.g., a database management system) that interfaces with a ledger system at 230 to interface a financial transaction channel for processing one or more non-face-to-face financial transactions (or payments) through the non-face-to-face compounded account. In addition, the account opening server 225 to one or more non-face-to-face transaction server 230, at least one ledger generation request, various ledger information storage / update and at least one additional ledger 220, the composite account ledger 205 To the customer ledger 210 is characterized in that to provide an interface for adding / deleting.

According to the method of the present invention, when the opening of the non-face-to-face complex account is requested from the account opening server 225, the ledger operating interface 200 corresponds to the account opening request on the ledger system. Create a customer ledger 210 and a compound account ledger 205 and one or more additional ledgers 220 corresponding to the non-face-to-face compound account, and connect the customer ledger 210 and the compound account ledger 205 in a relational manner. However, it is preferable to generate an additional service management ledger 215 and to process one or more additional ledgers 220 to be added / deleted to the multiple account ledgers 205 to the customer ledger 210.

Alternatively, when a non-face-to-face financial transaction is requested from the one or more non-face-to-face transaction servers 230 through the non-face-to-face transaction composite account, the ledger operation interface 200 may include a compound account ledger corresponding to the non-face-to-face transaction composite account ( 205) to the customer ledger 210, through the additional service management ledger 215 to identify one or more additional ledgers 220 added to the multiple account ledger 205 to the customer ledger 210, and After confirming various properties / conditions of the non-face-to-face transaction composite account set through the confirmed additional ledger 220, the non-face-to-face transaction composite account according to various properties / conditions of the identified non-face-to-face transaction composite account It is preferable to process the non-face-to-face financial transactions for the composite account ledger 205.

Alternatively, when the account opening server 225 or one or more non-face-to-face transaction server 230 is requested to add one or more additional ledgers 220 to the compound account ledger 205 to the customer ledger 210, the ledger operation The interface 200 generates (or confirms) one or more additional ledgers 220 to be added to the compound account ledger 205 to the customer ledger 210, and generates (or confirms) the additional service management ledger 215. It is preferable to activate the at least one additional ledger 220 is added to the multiple account ledger 205 to the customer ledger 210, in this case, the composite account ledger 205 is the added additional ledger 220 It is desirable to apply the property / condition of) preferentially.

Alternatively, when the account opening server 225 or one or more non-face-to-face transaction server 230 is requested to delete one or more additional ledgers 220 from the multiple account ledger 205 to the customer ledger 210, the ledger operation The interface 200 determines whether the at least one additional ledger 220 requested to be deleted is added to the multiple account ledger 205 to the customer ledger 210 through the additional service management ledger 215, and the composite account When it is confirmed that the deletion-added additional ledger 220 is added to the ledgers 205 to the customer ledger 210, the composite account is deactivated through the additional service management ledger 215. It is preferable to add the ledger 205 to the customer ledger 210. In this case, the composite account ledger 205 is preferably applied with its own attributes / conditions.

Alternatively, one or more ledgers included in the non-face-to-face transaction composite account from the account opening server 225 or one or more non-face-to-face transaction servers 230 (eg, the customer ledger 210, the composite account ledger 205, and one). When the ledger information modification (or update) for the above additional ledger 220 is requested, the ledger operation interface 200 checks the ledger for modification (or update) and then sends the ledger information to the ledger for modification (or update). It is preferable to correct (or update) the contained ledger information to the corrected (or update) target ledger information.

3 is a diagram illustrating a process for applying for opening a multiple account for a non-face-to-face transaction according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a combination of customer information, account setting information, loan setting information, and non-face-to-face authentication information through a non-face-to-face / non-real name type financial account opening interface at a client terminal on the financial account opening system shown in FIG. When the account opening request information including the above is transmitted to a financial institution, the financial institution reads the account opening request information and the process of authenticating the validity of opening the non-face-to-face complex account, in the technical field to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing 3 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the non-face-to-face transaction open account application process. It may be inferred, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown on page 3.

In the following figure 3, the client terminal on the financial account opening system shown in FIG.

Referring to FIG. 3, the terminal accesses the server through a communication network, connects a communication channel, registers non-face-to-face authentication information for opening a non-face-to-face transaction complex account, and uses the registered non-face-to-face authentication information. Face-to-face authentication is performed (300).

According to an embodiment of the present invention, the terminal is connected to the server for non-face-to-face authentication including at least one ID / PW registration and / or issuing / re-issuance or other certificate registration for opening the complex account for non-face-to-face transaction It is preferable to register the information and perform face-to-face authentication for opening the complex account for the non-face-to-face transaction through the registered ID / PW and / or an official certificate (or another certificate).

If the non-face-to-face authentication for opening the non-face-to-face transaction composite account is confirmed (305), the terminal requests a web page for opening the non-face-to-face transaction composite account (310), and correspondingly the server Generates one or more web pages including a user interface for opening one or more compound accounts for inputting (or selecting) account opening request information including one or more of the customer information, account setting information, loan setting information, and non-face-to-face authentication information. (Or extract) (315), and transmits and outputs one or more webpages including the user interface for opening one or more composite accounts to the terminal according to a preset webpage providing procedure (320), and correspondingly, the terminal Through the user interface for opening one or more compound accounts included in the received and output one or more web pages Information and account setup information and loan setting information and the non-face-to-face authentication input the account opening request information including at least one information (or selected) and (325).

On the other hand, when the server generates (or extracts) one or more web pages including one or more user account opening account for inputting (or selecting) the account opening request information, the server corresponds to the mobile phone number of the customer information. The user may generate (or extract) a web page further including a user interface for inputting (or selecting) location consent information indicating that the user agrees on location tracking for the mobile phone, and transmits the generated web page to the terminal for output.

Here, the customer information included in the account opening request information may include personal information (eg, name, resident registration number, home address, work address, base information, telephone number, etc.) of a customer requesting to open the non-face-to-face complex account. , A mobile phone number, an e-mail address, etc.) and one or more member information (eg, ID / PW information assigned to the customer by signing up as a financial transaction customer of the financial institution). It is preferable. In addition, the location tracking agreement information may be further included.

The account setting information included in the account opening request information includes basic setting information for the non-face-to-face complex account, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, and record information expansion of the compound account. It is preferable to include at least one additional service setting information for.

Here, the basic setting information of the account setting information includes account setting information for generating financial account information for the non-face-to-face compounded account, and request setting information for setting transaction attributes of the non-face-to-face compounded account. , Earning type setting information, deferred setting information, resale connection setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and within a predetermined small range without credit / collateral confirmation It is preferable to include one or more small loan setting information for approving a loan without a loan examination.

The account setting information included in the basic setting information of the account setting information generates an account number corresponding to the financial account information for the non-face-to-face compounded account, and the financial institution number corresponding to the non-face-to-face compounded account. (Or a code), it is preferable that the information is assigned to an account alias and to include information for issuing an account link card.

The required payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) a required payment transaction attribute in the non-face-to-face complex account. And information for setting (or activating) the earned transaction attribute in the face-to-face transaction complex account, and the deferred setting information includes information for setting (or activating) the deferred transaction attribute in the non-face-to-face complex account. Preferably, the resale association setting information includes information for setting (or activating) a resale association transaction attribute (eg, an investment product connection attribute) in the non-face-to-face complex account.

According to the method of the present invention, the non-face-to-face complex account is preferably made by including one or more of the transaction attributes (eg, the union of multiple transaction attributes) among the required attribute, the accumulated attribute, the deferred attribute, and the resale associated attribute. .

In addition, the microlending setting information included in the basic setting information of the account setting information is within a predetermined small amount range without confirmation of credit / securities according to the customer's request (or a predetermined loan policy) with respect to the non-face-to-face complex account. It is desirable to include information to approve the loan without a separate loan screening.

According to an exemplary embodiment of the present invention, at the time of non-face-to-face non-face-to-face transaction combination account opening among the basic setting information of the account setting information, one of the demand setting information, earning setting information, deferred setting information, and mileage / coupon setting information At least one setting information set by the customer and not set at the time of opening the account among the required setting information, the earning setting information, the deferred setting information and the mileage / coupon setting information may be used in the process of using the non-face-to-face compound account. Preferably, it is set manually by a customer (or automatically by a financial institution policy), and among the basic setting information of the account setting information, the resale association setting information and the micro loan setting information may be added to the non-face-to-face complex account. Manually after the real name verification (or automatically by financial institution policy) Is preferably set.

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is automatically set by a financial institution policy. In this case, among the basic setting information of the account setting information, demand setting information, earning setting information, deferred setting information and mileage / coupon setting information can be omitted. However, one or more setting information, which is not set at the time of opening the account, among the required setting information, earning setting information, deferred setting information, and mileage / coupon setting information may be manually set by the customer in the process of using the non-face-to-face complex account. (Or automatically by a financial institution policy), and the resale-linked setting information and the microloan setting information among the basic setting information of the account setting information may be set after the real name confirmation of the non-face-to-face complex account. Is preferably set manually (or automatically by financial institution policy).

According to another exemplary embodiment of the present invention, at the time of establishing a non-real-name non-face-to-face transaction complex account among the basic setting information of the account setting information, the required setting information, earning type setting information, deferred setting information and mileage / coupon setting information It is preferable that at least one of is set manually by a customer (or automatically by a financial institution policy), and is set at the time of opening the account among the demand setting information, earning setting information, deferred setting information and mileage / coupon setting information. It is preferable that the one or more setting information, the resale association setting information, and the microloan setting information are set manually by the customer (or automatically by financial institution policy) after confirming the real name of the non-face-to-face complex account. Do.

In addition, the additional service setting information of the account setting information, interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, billing support additional service setting information, billing for the non-face-to-face complex account It is preferable to include one or more additional service setting information of the storage / additional service setting information, record information extension additional service setting information.

The interest rate adjustment additional service setting information included in the additional service setting information of the account setting information may be used to add / reduce the interest rate for the non-face-to-face compound account without adding or canceling an account (for example, between the customer and the financial institution). Add interest rates or discount interest rates during the terms of the agreement), add / reduce promotion rates (eg, add interest rates by promotion of financial institutions (or affiliated institutions) or discount interest rates), or rejoin Long term interest rate additions / discounts (e.g., reinstatement of a customer, or long-term account retention, or additional interest rates or discounted credit rates); cumulative mileage additions / discounts (e.g. in financial institutions (or affiliates)) It may include information that adds one or more interest rates or discounts credit rates based on the accumulated miles earned. It is right.

The tax additional service setting information included in the additional service setting information of the account setting information may be taxed / non-taxed for a specific period of time (eg, a contract period) for the non-face-to-face complex account without a new account / cancellation. , Taxable / nontaxable for one or more transactional attributes included in the non-face-to-face transaction composite account or the non-face-to-face transaction composite account.

The fee adjustment additional service setting information included in the additional service setting information of the account setting information is for a specific period (for example, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reduction (e.g., fee reduction by agreement between customer and financial institution), fee reduction by promotion (e.g., fee reduction by customer's inclusion (or subscription) in the promotion of financial institution (or affiliate)), fee It is preferred to include information for setting one or more coupon exchange (eg, fee reduction through a fee reduction coupon provided by a financial institution (or affiliated agency) or purchased by a customer).

The payment support additional service setting information included in the additional service setting information of the account setting information may be account transfer payment through the non-face-to-face transaction complex account, or card payment processing through a card associated with the non-face-to-face transaction complex account. City, mileage accumulation according to the payment processing (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing), fund support (for example, fund operator (national agency / local device organization operating welfare fund) , The insurance company that manages the benefits, the pension manager who manages the pension, etc., approves some (or all) of the payment authorizations through the funds provided to the customer), the payment fee reduction (e.g., the financial institution (or affiliate)) Promotion, or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g. discount mileage over preset criteria) Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storage additional service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction account without a new account / cancellation (for example, the one or more billing institutions (= A medium for storing billing information charged to a non-face-to-face compound account for a certain period of time), providing a disposable storage account (eg, billing to the customer (= name of a non-face-to-face compound account) at one or more billing institutions). Provide a one-time account created to receive one charge), a virtual account for classifying deposit accounts (e.g., one or more billing institutions accepts the charges charged to the customer (= the name of a non-face-to-face multiple account) Virtual accounts for each billing institution), automatic payment (e.g., automatic debit of billing amount per billing agency), electronic bill payment management (e.g. It is preferable to include information for setting at least one of billing charges for each billing institution and escrow (e.g., an intermediate account for billing billing charges by billing agency) through a self-billed electronic bill.

The record information extension additional service setting information included in the additional service setting information of the account setting information may be recorded as an additional information record for the merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. For example, deposit details of merchants' accounts (or SOHO's) into one or more criteria, record deposits automatically (e.g., receivables loans), deposit amount classification / aggregation (e.g., non-face-to-face) Classifying and counting the amount of money deposited into a trading account according to one or more criteria), including information for setting one or more information on deposit and withdrawal information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make.

According to an exemplary embodiment of the present invention, at the time of opening a non-real name non-face-to-face transaction composite account among the additional service setting information of the account setting information, the interest rate adjustment additional service setting information, tax additional service setting information, and fee adjustment additional service setting information Preferably, at least one of payment support supplementary service setting information, billing / storage supplementary service setting information, and record information expansion supplementary service setting information is set manually by a customer (or automatically by a financial institution policy). The interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, billing support additional service setting information, billing / storage additional service setting information, and record information extension additional service setting information are not set at the time of opening the account. One or more pieces of configuration information for the non-face-to-face transaction complex account It is for the process (or after confirmation of blindness for complex accounts for the non-face-to-face transactions) is set manually (or automatically by the financial institution policy) is preferred by the customer.

Those skilled in the art to which the present invention pertains, the above-described interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / storing additional service setting In addition to the information and record information extension additional service setting information, one or more other additional service setting information may be inferred, and it will be apparent that the present invention includes all the inferable additional service setting information.

The loan setting information included in the account opening request information may be used in a non-face-to-face manner without a separate face-to-face confirmation (eg, a customer visits a financial institution and face-to-face authentication through an identification card) for the non-face-to-face complex account. Non-face-to-face, without separate face-to-face verification (e.g., when a customer visits a financial institution and authenticates face-to-face through ID) For example, it is preferable to include at least one security loan setting information for application, examination, and approval.

Here, the credit loan setting information, when the non-face-to-face non-face-to-face composite account is opened, if the real name of the non-face-to-face composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name Based on the confirmation, the information is applied to apply for the credit in a non-face-to-face manner without face-to-face confirmation with the customer, and in response to setting the financial institution to examine and approve the credit loan application, credit loan authentication information (eg, credit) Password for the loan application).

The mortgage loan setting information is, when a non-face-to-face non-face-to-face transaction composite account is opened, and the real name of the non-face-to-face transaction composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name verification is confirmed. Based on the non-face-to-face application for collateral loans without face-to-face confirmation for the customer, and in response to setting the financial institution to examine and approve the secured loan application, collateral loan authentication information (eg, collateral loan application) It is preferable to include a password for).

According to the exemplary embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of the person skilled in the art, and in this case, the loan setting information may be used in the process of using the composite account for the non-face-to-face transaction (or the non-face-to-face transaction). After confirmation of the real name for the composite account for the account, it is preferable that the customer is set manually (or automatically by the financial institution policy).

The non-face-to-face authentication information included in the account opening request information may be used to authenticate the validity of a customer who opens a compound account for non-face-to-face transaction through a communication network in a non-real name state (= real name unidentified state through face-to-face verification), and to verify the validity of the account opening. For the information, the ID / PW-based authentication information and the authentication certificate-based authentication information includes one or more, and according to the intention of those skilled in the art further comprises an account opening password registered in the non-face-to-face authentication process provided in the account opening server It is preferable.

According to the embodiment of the present invention, the non-face-to-face authentication information may be omitted in the account opening request information according to the intention of the person skilled in the art, and the present invention is not limited thereto.

If the account opening request information including one or more of the customer information, the account setting information, the loan setting information, and the non-face-to-face authentication information is input (or selected) through the user interface for opening the composite account (330), the terminal communicates. The input (or selection) of the account opening request information is transmitted to the server through a channel (335). In response, the server receives the account opening request information through the communication channel, and then the account opening request information. Check the effectiveness of opening the non-face-to-face composite account through (340).

According to the method of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the server decrypts the account opening request information according to the encryption / decryption method, so that the account opening request information is displayed. It is advisable to verify that the validity for opening a non-face-to-face compound account is met.

Alternatively, when the electronic signature is attached to the account opening request information, the server checks the electronic signature attached to the account opening request information, thereby validating the account opening request information for opening the composite account for the non-face-to-face transaction. It is desirable to confirm that it is satisfactory.

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

According to an embodiment of the present invention, the validity of opening a multiple account for non-face-to-face transactions using the account opening request information may include one or more ledgers matching the account opening request information in a ledger system linked to the financial account opening system. It is preferable to include checking whether it is registered.

For example, the confirmation of the validity of opening a multiple account for non-face-to-face transactions using the account opening request information may include: customer information (customer personal information, member information, etc.) included in the account opening request information linked to the financial account opening system. It is preferable to include a check to match with the customer ledger on the system, and if the customer ledger matching the account opening request information is not registered in the ledger system, the account opening request information is the non-face-to-face complex account It is desirable to verify that the validity for the establishment is met.

When the non-face-to-face authentication information is included in the account opening request information according to an embodiment of the present invention, the validation of the open account for the non-face-to-face transaction through the account opening request information further includes authenticating the non-face-to-face authentication information. It is preferable to make it.

If the non-face-to-face transaction open account validity is not authenticated (345), the server generates a complex account open error information and transmits to the terminal (350).

On the other hand, if the validity of opening the non-face-to-face composite account for the transaction is verified (345), the server performs the required payment, earning type, deferred type, resale association, mileage / coupon, and small loan based on the confirmed account opening request information. Combined with the non-face-to-face transaction function included above, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, record information expansion, etc. manually (or automatically) departure according to customer choice (or financial institution policy) Open a combined non-face to face trading account.

4A and 4B illustrate a process of opening a composite account for non-face-to-face transactions according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show the customer information, the account setting information, the loan setting information, and the non-face-to-face authentication from the client terminal shown in FIG. When the account opening request information including one or more information is received and the validity for opening the non-face-to-face compound account is authenticated, the account opening server shown in FIG. 1 is linked with the compound account ledger system shown in FIG. And a combination of non-face-to-face transaction functions including one or more of the above required payment, earning type, deferred type, resale connection, mileage / coupon, and small loan, and interest rate adjustment, tax, fee adjustment, payment support, billing / receipt In the process of opening a compound account for non-face-to-face transactions where the customer can be manually and / or automatically released according to customer choice (or financial institution policy). As one skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps) for the process of opening a multi-account transaction for non-face-to-face transactions by referring to and / or modifying the drawings 4a and 4b. May be omitted or the order may be changed), but the present invention includes all the inferred implementation methods, and the technical features are limited only by the implementation methods shown in FIGS. 4A and 4B. Not.

For example, Figures 4a and 4b after generating a customer ledger, a composite account ledger and a loan ledger for the non-face-to-face composite account in advance, and then generates one or more additional ledgers for the non-face-to-face composite account Although described as being added to the composite account ledger to the customer ledger, but the process of establishing a composite account for non-face-to-face transaction of the present invention is not limited by this, the process of opening a composite account for non-face-to-face transaction according to the present invention is It includes the method of creating a customer ledger, a compound account ledger and a loan ledger and one or more additional ledgers at the same time, or a customer ledger, a compound ledger and a ledger ledger after one or more additional ledgers are created in advance. It is obvious.

In the following Figures 4a and 4b, the account opening server on the financial account opening system shown in Fig. 1 is referred to as " server " for convenience.

4A and 4B, the account opening request information including at least one of customer information, account setting information, loan setting information, and non-face-to-face authentication information is applied through the application process for opening a non-face-to-face complex account shown in FIG. Is received and the validity for opening the non-face-to-face transaction composite account is authenticated, the server is a customer for the financial account corresponding to the non-face-to-face transaction account based on the customer information included in the account opening request information. Generate ledger information, generate composite account ledger information for a financial account corresponding to the non-face-to-face composite account based on the account setting information, and generate the ledger information to the non-face-to-face composite account based on the loan setting information Generate information about the loan ledger for the account 400 and operate the ledger for the non-face-to-face compound account; Generate customer ledger account ledger and loan ledger and complex corresponding to the financial account corresponding to the complex plane trading accounts for 400.

According to an embodiment of the present invention, the server generates customer ledger information to be stored in a customer ledger for a financial account corresponding to the non-face-to-face complex account based on the customer information included in the account opening request information. It is preferable.

Here, the customer ledger information, personal information of the customer included in the customer information of the account opening request information (for example, customer's name, social security number, home address, work address, base information, telephone number, mobile phone number, e-mail address, etc.) ) And member information (eg, member ID information), and a customer number (eg, a Customer Information File (CIF), etc.) to be assigned to the customer. In addition, the location tracking agreement information may be further included.

In addition, the server is based on the basic setting information of the account setting information included in the account opening request information, the basic account ledger information, the request ledger information, the reserve ledger information for the financial account corresponding to the non-face-to-face complex account It is preferable to generate the compound account ledger information including at least one of the following, ledger information, resale linked ledger information, mileage / coupon ledger information, microloan ledger information.

Here, the basic account ledger information, the account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= Card including a representative account number), and the financial institution number (or code) corresponding to the non-face-to-face transaction composite account and one or more account aliases, and the card associated with the non-face-to-face transaction composite account. If is issued, it is preferable that the card further comprises the card information corresponding to the account-linked card.

The request ledger information includes request property information of the non-face-to-face complex account set through the request setting information among basic setting information of the account setting information included in the account opening request information, and through the request setting information It is preferable that the generated required account number (= required account number of the non-face-to-face transaction complex account) is further included, and preferably further includes the required amount of payment information set to the initial value '0'.

The earned meal ledger information, including the earned food attribute information of the non-face-to-face complex account set through the earned food setting information of the basic setting information of the account setting information included in the account opening request information, and through the earned food setting information It is preferable to further include the generated earning account number (= earning subaccount number of the non-face-to-face complex account), it is preferable to further comprise the earning amount information set to the initial value '0'.

The deferred ledger information includes deferred attribute information of the non-face-to-face complex account set through deferred setup information among basic setup information of account setup information included in the account opening request information, and through the deferred setup information It is preferable to further include the generated deferred account number (= deferred sub-account number of the non-face-to-face complex account), and preferably further comprises deferred amount information set to the initial value '0'.

The resale linked ledger information includes resale associated attribute information of the non-face-to-face complex account set through resale association setting information among basic setting information of account setting information included in the account opening request information. It is preferable that the resale associated account number generated through the setting information (= resale associated sub account number of the non-face-to-face complex account) further comprising resale associated amount information set to the initial value '0'. It is preferable to make.

The mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face complex account set through mileage / coupon setting information among basic setting information of account setting information included in the account opening request information. Preferably, the mileage / coupon account number generated through the mileage / coupon setting information (= value sub account number for mileage / coupon operation of the non-face-to-face combined account) is further included. It is desirable to further comprise mileage / coupon value information set to '.

The microloan ledger information includes microloan attribute information of the non-face-to-face complex account set through microloan setting information among the basic setting information of the account setting information included in the account opening request information, and the microloan It is preferable to further comprise a small loan account number (= small loan subaccount number of the non-face-to-face complex account) generated through the setting information, and further comprises a small loan amount information set to the initial value '0' It is preferable to make.

According to another embodiment of the present invention, if the account opening request information is omitted one or more of the demand setting information, earning type setting information, deferred setting information, resale associated setting information, mileage / coupon setting information, small loan setting information, Preferably, the server does not generate the omitted ledger information. In this case, the omitted ledger information may be used in the process of using the composite account for the non-face-to-face transaction (or after checking the real name of the composite account for the non-face-to-face transaction). Is preferably set manually (or automatically by financial institution policy).

The server may further include at least one loan ledger information and at least one loan ledger information for a financial account corresponding to the non-face-to-face transaction complex account based on the loan setting information included in the account opening request information. It is desirable to generate information.

Herein, the credit ledger information includes credit loan condition information of the non-face-to-face complex account set through credit loan setting information among loan setting information included in the account opening request information, and the credit loan setting information. It is preferable that the credit loan account number (= credit loan sub account number of the non-face-to-face combined transaction account) generated through the, further comprises a credit amount information set to the initial value '0' desirable.

The collateral loan ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through the collateral loan setting information among the loan setting information included in the account opening request information, and the collateral loan setting information. It is preferable to further include a collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account) generated through, and preferably further comprises a collateral loan amount information set to the initial value '0' Do.

According to another embodiment of the present invention, if one or more of the credit setting information and the security loan setting information are omitted from the account opening request information, the server preferably does not generate the omitted ledger information. The omitted ledger information may be set manually by the customer (or automatically by a financial institution policy) during the process of using the non-face-to-face compound account (or after checking the real name of the non-face-to-face compound account). Do.

In addition, the server checks the ledger system for operating the ledger for the non-face-to-face composite account, the customer ledger and the composite account ledger for the financial account corresponding to the non-face-to-face composite account on the ledger system and It is desirable to create a loan ledger.

The customer ledger may include one or more information fields for storing personal information, member information, and customer number included in the generated customer ledger information, and each information field is null. It is preferable to be initialized with a value. The mobile terminal may further include an information field for storing location tracking consent information about a mobile phone corresponding to the mobile phone number of the customer.

The composite account ledger stores the account number (= representative account number of the non-face-to-face composite account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face composite account. It is preferable to include a basic account ledger made up of one or more information fields for further storing the financial institution number (or code) and the account alias corresponding to the compound account for trading, and further storing the account linked card information. Each information field of the basic account ledger is preferably initialized to a null value.

In addition, the composite account ledger stores the required payment attribute information included in the required payment ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated required payment account number (= the non-face-to-face transaction account) It is preferable to include a request ledger made up of a required subaccount number) and one or more information fields for further storing the required amount of money information, each information field of the required ledger is initialized to a null value desirable.

In addition, the composite account ledger, the earning attribute information contained in the earning ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated earning account number (= the non-face-to-face complex account It is preferable that the earning ledger made by including one or more information fields for storing the earned subaccount number) and the earned amount information more, each information field of the earned ledger is initialized to a null value desirable.

In addition, the composite account ledger stores the deferred attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated deferred account number (= the combined account for the non-faceted transaction) It is preferable to include a deferred ledger made up of a deferred subaccount number) and one or more information fields for further storing the deferred amount information, each information field of the deferred ledger is initialized to a null value desirable.

In addition, the multi-account ledger stores the resale-linked attribute information included in the resale-linked ledger information for the financial account corresponding to the non-face-to-face compounded account, and the generated resale-linked account number (= the non-face-to-face transaction) It is preferable to include a reselling ledger made up of one or more information fields for further storing the resale linked subaccount number of the compound account) and the resale linked amount information, each information field of the resale linked ledger is null ( NULL) value is preferably initialized.

In addition, the composite account ledger stores the mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated mileage / coupon account number (= the It is preferable to include a mileage / coupon ledger including a value sub account number for mileage / coupon operation of a non-face-to-face transaction account) and one or more information fields for further storing mileage / coupon value information. Each information field of the mileage / coupon ledger is preferably initialized to a null value.

In addition, the multi-account ledger stores the micro-loan attribute information included in the micro-loan ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated small loan account number (= the non-face-to-face transaction And a small loan ledger made up of one or more information fields for further storing the small loan subaccount number) and the small loan amount information of the multiple account. Each information field of the small loan ledger is null ( NULL) value is preferably initialized.

According to another embodiment of the present invention, when one or more of the required ledger information, accumulated ledger information, deferred ledger information, reselling ledger information, mileage / coupon ledger information, small loan ledger information is omitted by the server, the server It is preferable not to generate a ledger matching the omitted ledger information, in which case the omitted ledger is used in the process of using the composite account for the non-face-to-face transaction (or after checking the real name of the composite account for the non-face-to-face transaction) It is desirable to be set up manually by the customer (or automatically by financial institution policy).

The loan ledger stores credit loan condition information (for example, condition information for applying for, reviewing and approving a credit loan in a non-face-to-face manner) included in the credit ledger information corresponding to the non-face-to-face complex account. One or more information fields for further storing the generated credit loan account number (= credit loan subaccount number of the non-face-to-face complex account), credit amount information, customer credit rating information, credit limit amount information for each credit rating It is preferable to include a credit ledger made, including, each information field of the credit ledger is preferably initialized to a null value.

In addition, the loan ledger stores mortgage loan condition information (eg, condition information for applying for, reviewing and approving a mortgage loan in a non-face-to-face manner) included in the mortgage ledger information corresponding to the non-face-to-face complex account. And, for storing the generated collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, collateral loan information of the customer, and loan limit amount information for each collateral It is preferable to include a mortgage ledger including the above information field, and each information field of the mortgage ledger is preferably initialized to a null value.

According to another embodiment of the present invention, if one or more of the credit ledger information and the secured loan ledger information are omitted by the server, the server preferably does not generate a ledger matching the omitted ledger information. In this case, the omitted ledger may be set manually (or automatically by a financial institution policy) by the customer in the process of using the non-face-to-face compounded account (or after checking the real name of the non-face-to-face compounded account). desirable.

If in the ledger system, a customer ledger, a compound account ledger, and a loan ledger for a financial account corresponding to the non-face-to-face transaction complex account are created, and corresponding information for the customer ledger information for the customer ledger, the composite account ledger, and the loan ledger, respectively; When the composite account ledger information and loan ledger information is generated (410), the server stores the customer ledger information in the customer ledger in association with the ledger system, and stores the composite account ledger information in the composite account ledger, The loan ledger information is stored in the loan ledger (420).

If the customer ledger information, the composite account ledger information and the loan ledger information corresponding to the customer ledger, the composite account ledger and the loan ledger respectively generated in the ledger system are stored (420), the server reads the account opening request information. In operation 425, it is determined whether the account setting information included in the account opening request information includes one or more additional service setting information that is valid.

If it is confirmed that the account opening request information includes one or more additional service setting information valid (430), the server includes one or more additional ledger information corresponding to the confirmed additional service setting information and the financial institution. According to the policy of the non-face-to-face transaction account to generate the real name confirmation additional ledger information corresponding to one or more automatically set additional ledger information to be set automatically (435), the composite account ledger to the customer ledger created on the ledger system Each of the at least one additional ledger corresponding to the generated additional ledger information and a real name verification additional ledger corresponding to the real name verification additional ledger information are generated in correspondence with each other (440).

Here, the additional ledger, the additional service ledger for the composite account ledger, or the combined account (or any one of the required payment, credit, deferred, resale-linked, mileage / coupon, small loans) provided in the composite account A ledger corresponding to any one of the virtual account ledgers, wherein the additional ledger information generated through the additional service setting information included in the account opening request information is an interest rate adjustment in the form of the additional service ledger (or virtual account ledger). It is preferable to include the ledger information, tax ledger information, fee adjustment ledger information, payment support ledger information, billing / storage ledger information, record information extended ledger information.

The interest rate adjustment vice ledger information may be added or discounted to the contract period interest rate for the non-face-to-face complex account without adding or canceling a separate account (e.g., receiving interest rate during the contract term between the customer and the financial institution) , The discount rate of the credit rate) by adding / deleting as an attribute of the non-face-to-face transactional account, to remove and remove ledger information, and the promotion rate addition / discount (for example, receiving interest rate by promotion of a financial institution (or affiliated institution)). Add / remove credit rate as an attribute of the non-face-to-face compound account, add / delete ledger information, re-join / long-term interest rate addition / discount (e.g. customer re-join, or maintain account for a long time) Ledger information for adding / deleting received interest rate or discounting credit rate) as an attribute of the non-face-to-face transaction multi-account. Add / remove mileage cumulative interest rate (e.g., add interest rate based on accumulated mileage earned by a financial institution (or affiliated institution) or discount credit rate) by adding / deleting as an attribute of the non-face-to-face compound account. It is preferable to include at least one ledger information for detachment, and if the interest rate adjustment additional ledger is a virtual account ledger, the interest rate adjustment additional ledger information is the composite account (or the required payment, earning formula, It is preferable to further include an interest rate adjusted virtual account number of any one of the following: a deferred type, resale linkage, mileage / coupon, small loan.

The tax ledger information is taxable / non-taxable (eg, non-face-to-face compounded account, or non-face-to-face transaction) for a specific period (eg, contracted term) for the non-face-to-face compounded account without a new account / cancellation. It is preferable to include at least one ledger information for adding / deleting to the attribute of the non-face-to-face transaction complex account to remove and remove the taxation / non-tax) for one or more transaction attributes included in the transaction account, the tax If the additional ledger is a virtual account ledger, the tax additional ledger information is a tax based on the combined account (or any one of the required payment, earning, deferred payment, mileage / coupon, and small loan) provided in the combined account. It is preferable to further include a virtual account number.

The fee adjustment ledger information is a fee reduction (e.g., agreement between a customer and a financial institution) for a specific period (e.g., a contract period, or a promotion period) for the non-face-to-face complex account without a new account cancellation. Ledger information to add / delete as a property of the non-face-to-face transaction complex account, and to be detached and detached, and fee reduction (for example, a financial institution (or affiliated institution)) Subscription fee) by adding / deleting as a property of the non-face-to-face transaction complex account to remove or remove ledger information, commission coupon exchange (for example, provided by a financial institution (or affiliated institution), or purchased by a customer) Ledger information for the removal and removal by adding / deleting the fee reduction through the fee reduction coupon as an attribute of the non-face-to-face transaction account It is preferable to include more than one, and if the fee adjustment vice-director is a virtual account ledger, the fee adjustment vice-president information is the composite account (or the required payment, earning, deferred, resale associated, mileage / It is preferable to further include a fee adjustment virtual account number having any one of a coupon, a small loan).

The payment support additional ledger information is credited through the payment processing when the account transfer payment through the non-face-to-face transaction complex account, or the card payment processing through the card associated with the non-face-to-face transaction complex account (eg, Ledger information and fund support (e.g., fund managers (welfare funds) to add / delete mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing as an attribute of the non-face-to-face complex account. For the non-face-to-face transaction of a portion (or all) of the approval of the payment through the funds provided to the customer by a state agency / local device organization that operates the company, an insurance company that manages the benefits, a pension operator who manages the pension, etc.). Ledger information for removal / deletion by adding / deleting as an attribute of a compound account, payment fee reduction (eg, promotion of a financial institution (or affiliated institution), or Exchange of discount coupons through ledger information and mileage for adding / deleting payment fee reduction according to the payment attribute as an attribute of the non-face-to-face complex account and mileage (for example, exchanging mileage above a predetermined standard into a discount coupon) Add / delete as an attribute of the non-face-to-face transaction composite account to remove and remove ledger information and affiliate discount (for example, a discount through the provision of an affiliate service with a specific affiliated organization) as an attribute of the non-face-to-face transaction composite account. It is preferable to include at least one ledger information for adding / deleting and detaching, and when the payment support additional ledger is a virtual account ledger, the payment support additional ledger information is provided in the composite account (or the composite account) Paid, credit, deferred, resale, mileage / coupon, small loan) The support is preferably made eojineun further includes a virtual account number.

The claim / receipt ledger information is billed to the non-face-to-face transaction composite account without new account termination / revocation (e.g., charged to the customer (= name of the non-face-to-face complex account) by one or more billing institutions). Provides ledger information and one-time storage account (eg, non-face-to-face at one or more billing institutions) to add / delete the medium for storing the billing information for a certain period of time to add and delete as an attribute of the non-face-to-face transaction complex account Ledger information for adding / deleting a single-use account created to store the charges charged to the holder of the compound account for transaction) as an attribute of the non-face-to-face compound account, and virtual for classifying the deposit account. A claim for receiving an amount charged by an account (eg, one or more billing institutions to the customer (= holder of a non-face-to-face multiple account) Addition / deletion of virtual accounts for each non-face-to-face transaction account to add / delete ledger information and automatic payment (eg, automatic transfer of billing amount per billing institution) Add / delete ledger information and electronic bill payment management (e.g., pay bills by billing institution through electronic bills electronically billed through the telecommunications network) as attributes of the non-face-to-face complex account Add / delete ledger information for escaping by detaching and escrow (for example, an interim account for paying billing charges per billing institution) as an attribute of the non-face-to-face complex account. It is preferable to include at least one, and if the claim / storage vice president is a virtual account ledger, the claim / storage vice president Preferably, the information further includes a billing / storing virtual account number including the composite account (or any one of the required payment, saving type, deferred payment, resale linkage, mileage / coupon, and small loan) provided in the composite account. .

The record information extension additional ledger information is an account of a deposit additional information record (e.g., a merchant (or SOHO)) for a merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. To the account information for depositing and depositing the transaction details according to one or more criteria) as the expansion information of the non-face-to-face transaction complex account, and to remove and relocate the account. Ledger information for depositing / detaching by adding / deleting as an attribute of the non-face-to-face complex account, and classifying / aggregating deposit amount Ledger information and deposit and withdrawal information (e.g., deposit details for a non-face-to-face complex account) It is preferable to include at least one ledger information for adding and deleting the information sent to or from the withdrawal history information) as extended information of the non-face-to-face transaction complex account, and the additional information ledger is the virtual account ledger. In this case, the record information extension additional ledger information is a record information extension virtual account number of the composite account (or any one of the required payment, earning, deferred, resale associated, mileage / coupon, small loans provided in the composite account) It is preferred to further comprise a.

In addition, the one or more automatically set the additional ledger information automatically generated according to the policy of the financial institution, the interest rate adjustment additional ledger information, tax additional ledger information, fee adjustment additional ledger information, payment support additional ledger information, billing / storage additional ledger And one or more additional ledger information automatically set according to the financial institution policy among the information and record information extension additional ledger information, and further comprising the real name verification additional ledger information for managing the real name verification of the non-face-to-face multi-account. desirable.

The real name verification additional ledger information is a limit value (for example, 500,000 won, or 2 million won) of the transaction limit amount through the non-face-to-face transaction composite account before the real name verification of the face-to-face composite account for the non-face-to-face transaction ), Limiting one or more loans (e.g., including one or more small loans, credit loans and mortgages) through the non-face-to-face compound account, and earning mileage / coupons for the non-face-to-face compound account. It is preferable to include at least one ledger information for limiting a portion (or all) of the, and when the real name verification additional ledger is a virtual account ledger, the real name verification additional ledger information is provided in the composite account (or the composite account) Real-name virtual account number with the required account, one of the following: paid, credit, deferred, resale, mileage / coupon, and small loan It comprises are preferred.

According to the method of the present invention, the real name verification additional ledger information is preferably deleted after face-to-face real-name verification for the non-face-to-face transaction composite account, thereby unidentified real name for the non-face-to-face transaction composite account Limits and limitations in accordance with the present invention are preferably released.

According to an embodiment of the present invention, the interest rate adjustment additional ledger generated in the ledger system in response to the generated interest rate adjustment additional ledger information may include an interest rate addition / discount (eg, included in the generated interest rate adjustment additional ledger information). To receive additional interest during the term of the agreement between the customer and the financial institution, or to register the ledger information for a discount on the credit rate, or to add or discount promotional rates (e.g. General ledger information for adding or discounting credit rates, rejoining / long-term holding interest rates (eg, resubscribing customers or adding interest rates by retaining accounts for a long time, or discounting credit rates) Add / discount mileage accrual rates (e.g., add interest rates based on cumulative mileage earned by a financial institution (or affiliate)), And at least one information field for storing the ledger information for discounting the new interest rate. When the ledger is a virtual account ledger, the interest rate adjustment vice-chairman, through the interest rate adjustment virtual account number, the composite account (or any of the required payments, earning, deferred, resale-linked, mileage / coupon, small loans provided in the compound account) One) is preferably linked to the parent account of the interest rate adjustment virtual account.

Alternatively, the tax ledger generated in the ledger system corresponding to the generated tax ledger information may be taxed / non-taxed (eg, non-taxed) for a specific period (eg, a contract period) included in the generated tax ledger information. It is preferable to include one or more information fields for storing the ledger information for the face-to-face transaction composite account, or taxation / non-taxation of one or more transaction attributes included in the non-face-to-face transaction composite account, the tax addition Preferably, each information field of the ledger is initialized to a null value. When the tax ledger is a virtual account ledger, the tax ledger may be added to the composite account (or the composite account) through a tax virtual account number. Any one of the required payment, earning type, deferred payment, resale linkage, mileage / coupon, and small loan) to the parent account of the tax virtual account Copper it is preferred to.

Alternatively, the fee adjustment vice-general generated in the ledger system in response to the generated fee adjustment vice-general information may be for a specific period (eg, an agreement period or a promotion period) included in the generated fee adjustment vice-general information. Ledger information for fee reductions (e.g., fee reductions based on agreements between customers and financial institutions), fee reductions due to promotions (e.g., fees included by the customer in the promotion of financial institutions (or affiliates)) Ledger information for one or more information fields for storing fee ledger information for fee coupon exchange (e.g., fee reduction through a financial institution (or affiliate) or purchased by a customer). Preferably, each information field of the fee adjustment subordinate ledger is initialized to a null value. Preferably, when the fee adjustment vice-chairman is the virtual account ledger, the fee adjustment vice-chairman, through the fee adjustment virtual account number, the composite account (or the required payment, earning, deferred, resale associated, Mileage / coupon or small loan) is preferably linked to the parent account of the fee adjustment virtual account.

Alternatively, the payment support additional ledger generated in the ledger system in response to the generated payment support additional ledger information, the mileage accumulation (for example, in response to payment processing financial institutions (or Ledger information for mileage accrual provided by affiliates), fund support (e.g., fund managers (national agencies / local device organizations operating welfare funds, insurance companies operating benefits, pension operators managing pensions, etc.) Funds provided to customers to approve part (or all) of payment authorizations, for payment fee reductions (e.g., promotions by financial institutions (or affiliates), or payment fee reductions based on payment attributes) Ledger information, ledger information for exchanging discount coupons through mileage (e.g., exchanging mileage more than the preset criteria into discount coupons), It is preferable to include one or more information fields for storing the ledger information for the affiliate discount (for example, discount through the provision of an affiliate service with a specific affiliate institution), each information field of the payment support vice president is null. It is preferable to be initialized to the value, and when the payment support additional ledger is a virtual account ledger, the payment support additional ledger, through the payment support virtual account number, the required payment, or earning, It is preferable to link any one of the following: a deferred type, resale association, mileage / coupon, and small loan to the mother account of the payment support virtual account.

Alternatively, the claim / receive additional ledger generated in the ledger system in response to the generated claim / receive additional ledger information may be included in the generated claim / receive additional ledger information (eg, in one or more billing institutions). Ledger information for a customer (= medium for storing billing information billed to a non-face-to-face transaction account) for a certain period of time, and providing a disposable storage account (eg, for one or more billing institutions for the customer (= face-to-face transaction) Ledger information for the provision of a one-time account created to accommodate the charges billed to the holder of the compound account), a virtual account for the classification of the deposit account (e.g., at least one billing institution for the customer (= non-face to face compound account) Ledger information for automatic billing (e.g., billing fee per billing institution) Ledger information for transfers), ledger information for electronic bill payment management (e.g. payment of billing charges per billing authority through electronic bills electronically billed through the network), escrow (e.g. billing fees per billing agency) It is preferable to include one or more information fields for storing the ledger information for the intermediate account for the payment), each information field of the claim / receipt additional ledger is preferably initialized to a null value, When the claim / receive additional ledger is the virtual account ledger, the claim / receive the additional ledger, through the claim / receipt virtual account number, the composite account (or the required payment, earning, deferred, resale association, mileage provided in the composite account) / Coupon, small loan) is preferably linked to the parent account of the claim / storage virtual account.

Alternatively, the record information extension additional ledger generated in the ledger system in response to the generated record information extension additional ledger information may include an additional deposit for the affiliate store (or SOHO) included in the generated record information extension additional ledger information. To add / delete the information record (e.g., record the deposit details of the merchant (or SOHO) according to one or more criteria) as the extended information of the non-face-to-face complex account. Ledger information, ledger information for automatic deposit of loan deposits (eg, receivables secured loans), and ledgers for sorting / aggregating deposits (eg, classifying and counting amounts deposited into a non-face-to-face complex account based on one or more criteria) One or more information for storing the ledger information; It is preferable that the information field of the record information extension additional ledger is initialized to a null value. When the record information extension additional ledger is a virtual account ledger, the record information extension The vice-chairman, through the record information extension virtual account number, the composite account (or any one of the required payment, earning, deferred, resale linkage, mileage / coupon, small loans provided in the compound account) of the record information extension virtual account It is desirable to link to the parent account.

Alternatively, the real name verification additional ledger generated in the ledger system in response to the generated real name verification additional ledger information may be generated through the non-face-to-face transaction composite account until the real name verification of the face-to-face method for the non-face-to-face transaction composite account. Ledger information that manages the transaction limit amount within a preset limit amount (eg, 500,000 won or 2 million won), one or more loans (eg, small loans, credit loans, collateral loans) through the non-face-to-face multiple account And one or more information fields for storing ledger information for limiting a portion (or all) of mileage / coupon credit for the non-face-to-face multi-account. Each information field of the information extension assistant ledger is preferably initialized to a null value. In the case of an account ledger, the real name verification vice president, through the real name verification virtual account number, the composite account (or any one of the required payment, credit type, deferred type, resale association, mileage / coupon, small loan) It is preferable to link to the parent account of the real name verification virtual account.

If at least one additional ledger associated with the multi-account ledger or the customer ledger is generated in the ledger system, and additional ledger information corresponding to the generated additional ledger is generated (445), the server is connected with the ledger system. Each of the additional ledger information and the real name verification additional ledger information corresponding to each of the at least one additional ledger generated in association with the multiple account ledger or the customer ledger is stored (450).

If each of the additional ledger information corresponding to each of the one or more additional ledgers generated in the ledger system is stored (455), the server associates with the ledger system to store the additional ledger and the real name identification additional ledger stored therein. The composite account ledger is processed to be added to the customer ledger (460).

According to an embodiment of the present invention, the server processes the additional ledger to be added to the compound account ledger or the customer ledger by activating the additional ledger in which the additional ledger information is stored through the additional service management ledger provided in the ledger system. It is desirable to.

Further, the server generates additional ledger log information for adding the additional ledger and the real name verification additional ledger to the compound account ledger or the customer ledger in association with the ledger system to provide additional service log D / Process to be stored in B (465).

The additional ledger is added to the multiple account ledger or the customer ledger, and additional ledger log information corresponding to the additional ledger is stored in the additional service log D / B (470), or one or more valid for the account opening request information. When the non-face-to-face transaction composite account is opened in the state in which additional service setting information is not included (430), the server provides financial account information for the financial account corresponding to the account opening request information and the non-face-to-face transaction composite account. Create an account opening electronic document including a (475).

According to an embodiment of the present invention, the server includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and included in the account opening request information. Generate the electronic document information and the electronic document form including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, After including the electronic document information, it is preferable to generate an electronic document for opening an account through encryption or electronic signature according to a preset electronic document generation method.

According to an exemplary embodiment of the present invention, the server includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and the account opening request information A document file including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information included in the account opening request information, and a document file including the document content ( For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT) It is preferable to process the account opening electronic document for opening an account.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Generate document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting request information and watermarking the electronic document verification information preset in the document content. After including in a manner, a word processor including one or more document files (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking File, or a web document file including MHT) into an account opening electronic document for opening a non-face-to-face compound account. It is preferable.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. It is preferable to process an image file including image content generated by capturing content on a memory into an account opening electronic document for opening a non-face-to-face complex account.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. After the content is captured by capturing the content in memory, the electronic document verification information is set in a watermarking manner, and the image file including the watermarking image content is included in the non-face-to-face transaction account. It is desirable to process the account opening electronic document for opening.

According to another exemplary embodiment of the present invention, the server includes customer information included in the account opening request information and financial account information on a financial account corresponding to the non-face-to-face complex account, and the account opening request information Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the information and non-face-to-face authentication information included in the account opening request information, and captures the document content. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing an image content (e.g., image content generated by capturing the document content on a memory) The non-face-to-face transaction complex by generating a word processor file including one or more, or a web document file including MHT). To process the electronic document to the account opening for left open are preferred.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. Generating image content including electronic document verification information set in a watermarking manner in the image content generated by capturing the content on a memory and generating a document file (eg, the image content including the watermarking) Include one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process as an account opening electronic document for opening a non-face-to-face complex account.

According to another exemplary embodiment of the present invention, the server includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account. Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the request information and non-face-to-face authentication information included in the account opening request information, and capture the document content ( Captured image content (eg, image content generated by capturing the document content on a memory) and a document file corresponding to the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, Or a word processor file including one or more HWP / DOC, or a web document file including MHT). That the account opening process to electronic documents for opening accounts, complex non-face-to-face transactions are preferred.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. Image content including the electronic document verification information set in a watermarking manner, and the document corresponding to the watermarking image content and the document content. Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / D) By generating a word processor file including one or more OC, or a web document file including the MHT, etc.), it is preferable to process the account opening electronic document for opening the non-face-to-face complex account.

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

If an account opening electronic document corresponding to a non-face-to-face transaction open account is created (480), the server stores and stores the account opening electronic document as an electronic document repository through the communication network (485).

According to an embodiment of the present invention, the server may include electronic document related information (for example, customer information included in the account opening request information and the non-face-to-face complex account for generating electronic document management information in the electronic document server). And one or more financial account information, financial institution information, and electronic document file format information for the corresponding financial account), which can be transmitted to the electronic document repository, whereby the present invention is not limited thereto.

According to the embodiment of the present invention, it is preferable that the electronic document storage receives the account opening electronic document in the form of an image file or a document file from the account opening server through the communication network.

According to an embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received from the client terminal from the account opening server and the non-face-to-face Non-face-to-face through financial account information for the financial account corresponding to the transaction account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. A document file including document content including one or more authentication result information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) Or a web document file including the MHT).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. After the electronic document verification information is included in the document content to be included in a watermarking method, a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the document content including the watermarking) is included. Data Interchange) file, or a word processor file including one or more HWP / DOC, or MHT. Web document files).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. It is preferable to include an image file including the image content (for example, the image content generated by capturing the document content on the memory) that captures the document content to be included.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. One or more non-face-to-face authentication result information including financial account information for a financial account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. The watermarking method includes a predetermined electronic document verification information in an image content (eg, image content generated by capturing the document content on a memory) by capturing the document content. It is preferably made to include an image file containing the included image content The.

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received by the account opening server from the client terminal and the non- Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; Document files (e.g., Portable Document Format (PDF)) including image contents (e.g., image contents generated by capturing the document contents on a memory) that capture document contents including one or more face-to-face authentication result information. Word processor that includes one or more files, Electronic Data Interchange (EDI) files, or HWP / DOC File, or a web document file including MHT).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. Generating image content including electronic document verification information set in a watermarking manner in the image content (for example, the image content generated by capturing the document content on a memory) including the document content including the document content; And a document file (eg, PDF (Port) containing the image content including the watermarking. preferably, a document document file including one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received by the account opening server from the client terminal and the It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more non-face-to-face authentication result information, and a document file (e.g., PDF) corresponding to the document content. One or more Portable Document Format (EDI) files, Electronic Data Interchange (EDI) files, or HWP / DOC. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. Generating image content including electronic document verification information set in a watermarking manner in the image content (for example, the image content generated by capturing the document content on a memory) including the document content including the document content; Corresponding to the document content and the image content including the watermarking. File (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). desirable.

The electronic document archive stores an electronic document unique number (or unique information) to be assigned to the received account opening electronic document, and a date and time when the account opening electronic document is received (or a date and time at which the account opening electronic document is stored). And generating electronic document management information including electronic document storage date and time information.

According to an embodiment of the present invention, the electronic document repository checks a financial institution that has transmitted the account opening electronic document with reference to the account opening server that has transmitted the received account opening electronic document, and the identified financial institution It is desirable to generate electronic document management information that further includes the information.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server through the electronic document storage, the received electronic document related information (eg, included in the account opening request information). Preferably, the electronic document management information further includes financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the composite account for the non-face-to-face transaction.

The electronic document storage is characterized in that the received account opening electronic document and the generated electronic document management information in a cooperative process and stored in the electronic document D / B.

According to an exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B by the electronic document storage includes the customer information included in the account opening request information received from the client terminal by the account opening server, and the It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including one or more non-face-to-face authentication result information. File, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information After the electronic document verification information is further included in the document content including the watermarking method, the document file including the document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI). (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC, etc., or including an MHT It is preferred that comprises the document file, and so on).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information It is preferable to include an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including the above.

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information After including the electronic document verification information set in the watermarking method in the image content (e.g., the image content generated by capturing the document content on a memory) which captures the document content further including the water content, It is desirable to include an image file containing image content with markings. The.

According to another exemplary embodiment of the present invention, an account opening electronic document stored in the electronic document D / B by the electronic document repository includes customer information included in the account opening request information received from the client terminal by the account opening server. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information Document files (e.g., Portable Document (PDF) including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. Word processor that includes one or more Format files, Electronic Data Interchange files, or HWP / DOC. File, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Image content including electronic document verification information set in a watermarking manner in image content (e.g., image content generated by capturing the document content on a memory) which captures document content including the above content. And a document file (eg, PDF (Port) containing the image content including the watermarking. preferably, a document document file including one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B by the electronic document storage is customer information included in the account opening request information received from the client terminal by the account opening server. And non-face-to-face authentication information included in the account setting information and the loan setting information and the account opening request information included in the account opening request information, including the financial account information for the financial account corresponding to the non-face-to-face complex account. Image content (e.g., image content generated by capturing the document content on a memory) and document file corresponding to the document content (e.g., captured document content including one or more non-face-to-face authentication result information). One, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC. It comprises a web page file, and so on) by including the word processor file, or MHT that is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository is stored in the account information and the non-face-to-face transaction account included in the account opening request information received from the client terminal. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Image content including electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) captured by document content including watermarking method in a watermarking manner. Generating and corresponding image content including the watermarking and the document content; File (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). desirable.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage in association with the account opening electronic document is an electronic document unique number assigned to the account opening electronic document ( Or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage in connection with the account opening electronic document is stored in the electronic document D / B. It is preferable that the financial institution further comprises the information sent to the account opening electronic document confirmed with reference to.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server, the electronic document storage is stored in the electronic document D / B in association with the account opening electronic document. The document management information may include information related to the received electronic document (for example, customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face complex account, financial institution information, and electronic document). And at least one file format information).

5 is a view showing a real name confirmation guide system according to an embodiment of the present invention.

In more detail, Figure 5 is opened on the composite account ledger system 555 shown in Figure 2 through the financial account opening system shown in Figure 1 is a secondary ledger detachment scheme through the addition / deletion of one or more additional ledgers In the non-real name composite account for non-face-to-face transactions, the customer name stored in the customer ledger is checked and the real name is located at a short distance from the customer's home, work, or stronghold (the frequently visited place or area registered by the customer). As an illustration of a real name verification guide system for inducing real name verification by providing information about an agency to the client terminal 565 or providing the customer name verification target customer information to the real name verification agency terminal 570 as If one of ordinary skill in the art to which the present invention pertains, the real name is confirmed by referring to and / or modifying the present invention. Various implementation methods (eg, some components may be omitted, subdivided, or combined) for the guidance system configuration may be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 5, the real name verification agency terminal 570 is a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network affiliated with the financial institution, according to the intention of the skilled person. It may further include a call terminal (not shown) connected to, a mobile terminal connected to the financial institution, the call terminal (not shown) connected to a wireless telephone network, such as a wireless VoIP network, the present invention is all inferred real name verification agency It is apparent that it is possible to provide the customer information through the institution terminal 570.

In addition, in FIG. 5, a compound account ledger and a customer ledger corresponding to the compound account, and one or more additional ledgers added / deleted to the compound account ledger to the customer ledger in the ledger system 555 shown in FIG. 2 for convenience. Although illustrated as being provided, the present invention is not limited thereto, and the additional ledger may be provided in the ledger system 555 associated with an existing financial institution financial system equipped with the multiple account ledger and the customer ledger. Is to be made clear.

Hereinafter, the non-real name compound account for non-face-to-face transactions opened on the multi-account ledger system 555 shown in FIG. 2 through the financial account opening system shown in FIG. 1 on the real name confirmation guide system shown in FIG. Checking the customer information stored in the customer ledger, and providing the client terminal 565 with information about a real name verification agency located at a short distance from the home, work, or base of the customer; The component corresponding to one or more means and / or functional configuration for providing the real name verification agency terminal 570 to induce the real name verification is referred to as "real name verification guide server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the real name verification guide system includes a client terminal 565, a real name verification agency terminal 570, and a real name verification guide server 500.

According to an exemplary embodiment of the present invention, the customer opens a non-real name complex account for the non-face-to-face transaction through a client terminal 565 including a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, or the After opening a non-real name composite account for non-face-to-face transactions, access the real name verification guide server 500 to receive a real name verification guide, or access the real name verification guide server 500 for a transaction request, or obtain other information. Or when connecting to an affiliate server on a communication network (for example, connecting to an affiliate site) to receive a service, the client terminal 565 is connected to the real name through a wired or wireless communication network (or via an affiliate server on a wired or wireless communication network). Connect to the server 500 (or provide connection information to the real name verification guide server 500), and Received through the clear guide server 500 provides one or more check blind guide interface for transmitting real name check guide information for said real name check may be made to a function that is capable of outputting.

On the other hand, the customer through the client terminal 565, to open the non-real name composite account for the non-face-to-face transaction, or to open the non-real name composite account for the non-face-to-face transaction, the real name verification guide server 500 ), Or when connecting to the real name verification guide server 500 for a transaction request, or to an affiliate server on a communication network (for example, to an affiliate site) to obtain other information or to receive a service. The real name verification agency terminal 570 is information about a customer who opened the non-real name compound account for the non-face-to-face transaction through one or more real name verification guide interface provided by the real name verification guide server 500 through a wired or wireless communication network It can be made with a function to receive and output the transmission.

Here, the wired terminal is a general term for all terminal devices connected to a TCP / IP based communication network, and is connected to a desktop computer, a notebook, a communication network connected to the TCP / IP based communication network. One or more home appliance terminals (eg, a refrigerator, a set-top-box, etc.) and a kiosk connected to a communication network may be included.

The wireless terminal connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) / WCDMA / GSM-based mobile communication network, all terminal devices connected to a high-speed downlink packet access (HSDPA) -based wireless communication network, and IEEE. As a generic term for all terminal devices connected to the 802.16x-based portable Internet and all terminal devices connected to the IEEE 802.11x-based WLAN, a personal communication system (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network; Global System for Mobile communications (GSM) terminals, Personal Digital Cellular (PDC) terminals, Personal Handyphone System (PHS) terminals, Personal Digital Assistants (PDAs), Smart Phones, Telematics ( Or a wireless data communication terminal connected to an HSDPA-based wireless data network, or the IEEE 802.16x-based portable device. The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to can comprise more than one.

In addition, the real name verification agency terminal 570 is a real name verification agency (eg, convenience stores, telecommunications agency, gas station, ATM management point, etc.) to verify the real name in a face-to-face non-face-to-face for the customer who opened the non-real name composite account Although it may be a wired terminal provided in the wireless terminal used by the real name verification agent (or real name verification terminal manager) of the real name verification agency, the real name verification for the customer provided in the real name verification agency established the non-real name compound account It may be a real name confirmation terminal for.

In this case, the real name verification guide server 500 connected to the real name verification agency terminal 570 is an Internet banking server for a composite account, a wireless banking server, a telecom according to the characteristics of the real name verification agency terminal 570 and the communication network characteristics It may be any one of a banking server, a TV banking server, or may include a separate web server for verifying the real name for the non-real name composite account, or for providing information to the customer who opened the non-real name composite account.

In addition, a communication network connecting the client terminal 565 and / or the real name verification agency terminal 570 and the real name verification guide server 500 may include the client terminal 565 and / or the real name verification agency terminal 570. According to the type of wireless communication network to which the access is made, one of the CDMA / WCDMA / GSM-based mobile communication network, the HSDPA-based wireless data communication network, the IEEE 802.16x-based mobile Internet, the IEEE 802.11x-based wireless LAN, or the wireless section is included. It may include all kinds of wireless communication networks proposed later.

Those skilled in the art can easily infer the characteristics of the client terminal 565 and / or real name verification agency terminal 570 corresponding to one or more wired terminal or wireless terminal. Since there will be, a detailed description thereof will be omitted for convenience.

The real name verification guide server 500 provided on the real name verification guide system according to the present invention is configured to connect the client terminal 565 and / or the real name verification agency terminal 570 via a communication network. Collectively, the elements may be embodied including one or more servers (or devices), or may be embodied by one or more programs recorded on a recording medium provided in the server (or device), and the present invention is not limited thereto. It is obvious.

According to the exemplary embodiment of the present invention, the real name verification guide server 500 is a web server provided with a financial institution to which the client terminal 565 and / or the real name verification agency terminal 570 are connected, or the web. A program included in the server, or a ledger system 555 accessible through the web server, or a server (or device) on the ledger system 555 accessible through the web server. The invention is not limited.

According to another exemplary embodiment of the present invention, the real name verification guide server 500 is a non-face-to-face transaction server that the real name verification agent is connected through a real name verification terminal provided in the real name verification agency, or the non-face to face transaction A program provided in the server, or a ledger system 555 accessible through the non-face-to-face transaction server, or a server (or device) on the ledger system 555 accessible through the non-face-to-face transaction server. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the real name verification guide server 500 is, in addition to the real name verification terminal provided in the real name verification agency, an information registration server that can be connected through a financial automated device or a call terminal, or Or a server (or device) on the ledger system 555 accessible through the information registration server, or a program provided in the information registration server, or accessible through the information registration server. The present invention is not limited thereby.

According to the exemplary embodiment of the present invention, the real name verification guide server 500 connects and manages a communication channel with the client terminal 565 and / or the real name verification agency terminal 570 through the communication network 505. ) May be included.

According to an exemplary embodiment of the present invention, when the client terminal 565 and / or the real agency agent terminal 570 are wired terminals connected to a wired communication network, the interface unit 505 is a protocol defined in the wired communication network. A communication program connected to the client terminal 565 and / or the real name verification agency terminal 570 based on the stack, and provided in the client terminal 565 and / or the real name verification agency terminal 570. A communication interface for transmitting and receiving one or more information (or data) may be provided using a communication protocol defined in FIG.

For example, when the client terminal 565 and / or the real-name verification agency terminal 570 are equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 may be configured to use the TCP / IP protocol. A communication channel is connected to the client terminal 565 and / or the real name verification agency terminal 570 based on a protocol, and a web page (eg, HTML (Hyper-Text Markup) is connected using the HTPP protocol defined in the browser program. Language) compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal 565 and / or the real name verification agency terminal 570 are provided with a communication program (eg, a banking program) provided by the real name verification guide server 500, the interface unit 505 Connects a communication channel with the client terminal 565 and / or the real name verification agency terminal 570 based on the TCP / IP protocol, and transmits information (or data) using a communication protocol defined in the communication program. It may provide a communication interface for reception.

According to another exemplary embodiment of the present invention, when the client terminal 565 and / or the real name verification agency terminal 570 are a wireless terminal connected to a wireless communication network, the interface unit 505 is a protocol defined in the wireless communication network. A communication program connected to the client terminal 565 and / or the real name verification agency terminal 570 based on the stack, and provided in the client terminal 565 and / or the real name verification agency terminal 570. A communication interface for transmitting and receiving one or more information (or data) may be provided using a communication protocol defined in FIG.

For example, when the client terminal 565 and / or the real name verification agency terminal 570 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 505 The communication channel is connected to the client terminal 565 and / or the real name verification agency terminal 570 based on the CDMA protocol, and a web page (eg, WML ( Wireless Markup Language) web page or HTML compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, a communication program (eg, a VM-based banking program or an IC chip-based banking program) provided to the client terminal 565 and / or the real name verification agency terminal 570 by the real name verification guide server 500. ), The interface unit 505 connects a communication channel with the client terminal 565 and / or the real name verification agency terminal 570 based on the CDMA protocol, and the communication defined in the communication program. A protocol may be used to provide a communication interface for transmitting and receiving information (or data).

According to another exemplary embodiment of the present invention, when the client terminal 565 and / or the real name verification agency terminal 570 are a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 ) May connect a communication path with the call terminal (not shown) based on a voice call protocol defined in the wired telephone network or a wireless telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data). have.

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

Referring to FIG. 5, the real name verification guide server 500 is established through the financial account opening system shown in FIG. 1 through a ledger operating interface provided in the ledger system 555 shown in FIG. 2. It may include a ledger verification unit 510 (or ledger verification means) for confirming the information recorded in the customer ledger, composite account ledger and one or more additional ledgers corresponding to the non-face-to-face non-real-name composite account.

According to an embodiment of the present invention, the ledger confirmation unit 510 is a client through the client terminal 565, to open the non-real name compound account, or after opening the non-real name compound account to receive the real name confirmation guidance Affiliates on the communication network to access the real name verification information server 500, or to access the real name verification information server 500 (or non-face-to-face transaction server) for non-face-to-face transaction requests, or to obtain other information or to receive services. When connecting to a server (e.g., connecting to an affiliate site), the customer is connected to the customer based on the connection information provided when the customer connects (or access information provided from the affiliate server or registered information when opening a compound account). Whether the real name verification vice president is added to the multi-account ledger or the customer ledger (or through the additional service management ledger) Check if the ledger is activated.

In addition, the ledger check unit 510 checks the customer information stored in the customer ledger when it is confirmed that the real name verification additional ledger is added to the multi-account ledger or the customer ledger for the customer, the home address registered by the customer. Check your work address, location information, and more.

Referring to FIG. 5, the real name verification guide server 500 connects a communication channel through the interface unit 505 to receive a real name verification guide after the client terminal 565 opens the non-real name composite account. Generating at least one connection interface for inputting connection information (eg, ID / PW or certificate) from the client terminal 565 to be transmitted to the real name verification guide server 500 to verify the real name of the non-real name composite account. An interface providing unit 515 (or interface providing means) for providing the generated (or extracted) connection interface to the client terminal 565 in association with the interface unit 505 and the client; When the terminal 565 inputs and transmits connection information through the connection interface, the client terminal 56 is connected with the interface unit 505. 5) or an information receiving unit 520 (or information receiving means) for receiving the access information from the affiliate server or the connection information.

The interface providing unit 515, when the client terminal 565 opened the non-real name composite account and connected to the communication channel through the interface unit 505 to receive a real name confirmation guidance, for the non-real name composite account Generate (or extract) one or more connection interfaces for inputting connection information (eg, ID / PW or certificate) from the client terminal 565 to the real name verification guide server 500 for real name verification, and In connection with the interface unit 505, the generated (or extracted) connection interface is provided to the client terminal 565.

When the client terminal 565 is a wired terminal connected to a wired communication network according to an exemplary embodiment of the present invention, the interface providing unit 515 may be provided as a browser program or a communication program provided in the client terminal 565. It is preferable to generate (or extract) a connection interface and provide the generated (or extracted) user interface to the client terminal 565 through the interface unit 505.

According to another exemplary embodiment of the present invention, when the client terminal 565 is a wireless terminal connected to a wireless communication network, the interface providing unit 515 is provided as a browser program or a communication program provided in the client terminal 565. It is preferable to generate (or extract) possible connection interfaces and provide the generated (or extracted) user interface to the client terminal 565 through the interface unit 505.

According to another exemplary embodiment of the present invention, when the client terminal 565 is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 515 is connected to the call terminal (not shown). A connection interface (eg, a voicement based user interface or a graphic user interface that can be output through a screen output means provided in the call terminal) is generated (or extracted) and provided through the interface unit 505. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown).

According to another exemplary embodiment of the present invention, a program having one or more user interfaces for inputting (or selecting) the connection information to the client terminal 565 and transmitting the connection information to the real name verification guide server 500 through the communication network is provided. When the terminal device provided or transmitting the connection information is a financial automatic device (not shown), the interface providing unit 515 which generates (or extracts) the connection interface and provides it to the client terminal 565 is omitted. The present invention is not limited thereto.

When the client terminal 565 inputs (or selects) and transmits access information for requesting the real name confirmation guide information through the access interface, or transmits access information about the customer from an affiliate server, the information receiver 520. Receives connection information in association with the interface unit 505.

Referring to FIG. 5, when the connection information is received through the information receiving unit 520, the real name confirmation guide server 500 reads the received connection information and uses the non-face-to-face transaction corresponding to the connection information. It may be made to include a validity check unit 525 (or validation means) for confirming whether the compound account is opened.

According to an embodiment of the present invention, when the access information (eg, ID / PW or certificate) is encrypted according to an encryption / decryption method, the validity checking unit 525 may access the access information according to the encryption / decryption method. By decrypting, it is preferable to check in association with the ledger confirming unit 510 whether a composite account corresponding to the connection information is established.

Alternatively, when the electronic signature is attached to the access information, the validity confirming unit 525 checks the electronic signature attached to the access information to determine whether the composite account corresponding to the access information is opened. Check in conjunction with 510 is preferred.

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

According to an embodiment of the present invention, the validity check is preferably performed by checking whether at least one ledger matching the connection information is registered in the ledger system 555 associated with the real name verification guide system.

When the non-face-to-face authentication information is included in the access information according to the embodiment of the present invention, the validity check on the composite account may further include authenticating the non-face-to-face authentication information.

The client opens the non-real name composite account through the client terminal 565, or accesses the real name verification guide server 500 to receive the real name verification guide after opening the non-real name composite account, or a non-face-to-face transaction. The real name by connecting to the real name verification guidance server 500 (or non-face-to-face transaction server) for a request, or by connecting to an affiliate server on a communication network (e.g., connecting to an affiliate site) to obtain other information or to receive services. When providing the connection information to the confirmation guide server 500, the real name confirmation guide server 500, the information receiving unit 520 receives the connection information in association with the interface unit 505. In addition, the real name confirmation guide server 500, the validity verification unit 525 authenticates the validity of the access information, and through the ledger verification unit 510 corresponding to the composite account ledger or Check whether the real name verification additional ledger associated with the customer ledger is present (or activated), and if the multi-account ledger or the real name verification additional ledger associated with the customer ledger exists or is activated, the ledger verification unit 510 Check the customer information of the customer ledger to guide the real name verification for the composite account.

Referring to FIG. 5, the real name verification guide server 500 may include a location information calculation unit 530 (or a location information calculation unit 530 for calculating location information of a home address, a work address, or base information of a customer included in the customer information). Location information calculation means) and a real name confirmation for confirming information from a real name confirmation agency information D / B (560) for information on a preset real name confirmation agency for checking the real name of the non-real name composite account in a face-to-face / non-face-to-face manner The agency information confirmation unit 535 (or the real name confirmation agency information confirmation means) and the real name confirmation agency information check unit 535 in close proximity to the position information calculated by the location information calculation unit 530 Adjacent agency information extracting unit 540 (or adjacent agency information extracting means) for extracting (or generating) real-name verification agency information (hereinafter, adjacent agency information) of the location, and the extracted neighbor (or generated); Map information generating unit 545 (or map information generating means) for generating map information by displaying the location of the neighboring agency on a map based on the agency information, and in the neighboring agency information extracting unit 540. Providing extracted (or generated) neighboring agency information, or map information extracted (or generated) by the map information generating unit 545 to the client terminal 565 or information on the customer to the neighboring agency. It may be provided including an information providing unit 550 (or information providing means) for processing to provide.

When the composite account ledger opened by the customer corresponding to the access information or the real name verification additional ledger associated with the customer ledger is present and activated through the ledger verification unit 510, that is, a non-real name composite account requiring real name verification In the case of an established customer, the location information calculator 530 is configured to provide the client terminal 565 with information about a real name verification agency located at a location adjacent to the home address, work address, or base. Calculate the location information for the home address, work address, or base information included in the customer information.

According to an exemplary embodiment of the present invention, the location information calculator 530 may calculate location information by calculating latitude and longitude based on the home address, work address, or base information.

According to another exemplary embodiment of the present invention, the location information calculator 530 may calculate a specific area range within the address (home address, work address, or frequently visited base address registered by the customer). For example, when the home address registered by the customer is 'A city B-gu C-dong D', the B-gut is calculated as location information. Of course, according to the preset, the city A or C can also be calculated as the location information. In addition, when the customer frequently registers the 'E station' frequently visited as base information, a specific area range may be calculated based on the location address of the E station.

The real name verification agency information verification unit 535 confirms the information on the preset real name verification agency for real-name verification of the customer for the non-real name composite account in a face-to-face / non-face-to-face manner.

When opening a financial account for an existing financial transaction, he had to visit an offline bank in person, present an identification card at a window, and face-to-face verification. However, the customer who opened a non-real name compound account for non-face-to-face transaction on the compound account ledger system 555 shown in FIG. 2 through the financial account opening system shown in FIG. 1 did not go through the real name verification process. There are limitations (eg, limit restrictions, trade restrictions, etc.). Therefore, customers must go through a real name verification process in order to conduct a smooth financial transaction, and this real name verification process is performed through a face-to-face verification process through staff such as gas stations, convenience stores, and telecommunications agencies, or by using ID and face recognition using ATM. This can be done through a process (or identification and fingerprint process). Gas stations, convenience stores, telecommunications agencies, ATMs (or ATM management points), etc., which act as real name verifications, are referred to as' real name verification agencies', and wired and wireless terminals for real name verification provided by the real name verification agencies are referred to as' The real name confirmation terminal ', wired and wireless communication means provided in the real name verification agency to be referred to as a' real name verification agency terminal 570 '(that is, in some cases the real name verification terminal and real name verification agency terminal 570 is the same May be a terminal).

The real name verification agency information may include at least one agent property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency have.

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or information) that can receive information on the real name verification agency terminal 570 provided in the real name verification agency, that is, information on the customer who opened the non-real name composite account Terminal information available to the ATM manager). The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

In addition, the real name confirmation information system, or provided with a predetermined real name verification agency information D / B (560) for storing and processing the real name verification agency information, or the real name verification agency information D / B (560) It is preferable to interoperate with a predetermined DBMS that operates the DMS or the D / B server provided with the real name verification agency information D / B 560.

When the location information calculation unit 530 calculates location information about the home address, the work address, or the base information of the customer, the adjacent agency information extracting unit 540 is the real name verification agency information checking unit ( 535), extracting (or generating) information on the real name verification agency adjacent to the calculated location information of the customer, or real name verification agency located within the same area range (or adjacent area range) as the calculated location information. Extract (or create) information about the organization.

According to one embodiment of the invention, the adjacent agency information extraction unit 540, the location information for the customer calculated by the latitude / longitude in the location information calculation unit 530, the real name verification agency information After calculating the distance by mutually calculating the latitude / longitude of the real name verification agency included in the agency location information of the agency, extract information on the real name verification agency located within a predetermined distance (for example, within 5 km) (Or create). At least one neighboring agency that is extracted (or generated) by the neighboring agency information extracting unit 540 may be one or more.

According to another exemplary embodiment of the present disclosure, the adjacent agency information extracting unit 540 may include location information about the customer calculated by the location information calculating unit 530 in a specific area range (eg, a B district), By comparing the specific area ranges included in the agency location information of the real name verification agency information, for the real name verification agency including agency location information (for example, B) that matches the specific area range for the customer. Information can be extracted (or generated). Of course, at least one neighboring agency that is extracted (or generated) by the neighboring agency information extracting unit 540 may be provided.

According to another exemplary embodiment of the present invention, the adjacent agency information extracting unit 540 checks the real name using a specific region range calculated by the location information calculating unit 530 as a keyword (for example, B phrase). Search for agency information, and if there is a real name verification agency including the keyword (section B) among the real name verification agency information, the real name verification agency including the keyword (section B) is selected as an adjacent agency. The information may be extracted (or generated) by judgment. In this case, at least one neighboring agency may be extracted (or generated) by the neighboring agency information extracting unit 540.

The map information generating unit 545 displays the map information by displaying the location of the neighboring agency on the map based on the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 540. Create

According to an embodiment of the present invention, the map information generator 545 is based on the latitude / longitude information of the neighboring agency, extracted (or generated) by the neighboring agency information extraction unit 540, A map including the neighboring agency and its surrounding information is generated, and map information in which the position of the neighboring agency is displayed on the map is generated.

To this end, the real-name confirmation guide system is provided with predetermined map information D / B for storing map information for displaying the location of the adjacent agency, or predetermined operation for operating the map information D / B (not shown). It is preferable to interwork with the DBMS of, or D / B server having the map information D / B.

Here, since the map information is not included in the neighboring agency information, only the text-based information such as the name, attribute, address, etc. of the agency is provided to the client terminal 565, and thus, the map information. The generation unit 545 is not a component that must be provided.

In addition, the neighboring agency information extracting unit 540 compares the agency address information among the home address of the customer included in the customer ledger and the real name verification agency information, the predetermined area range or more (eg, C If it is determined that the real name verification agency with the same regional range as the above-mentioned regional range of C-dong, B-gu, and A-city is determined as an adjacent agency, and the information is extracted, the location information calculating unit 530 must also be used. It does not have to be provided.

The information providing unit 550 provides the neighboring agency information extracted (or generated) by the neighboring agency information extraction unit 540 to the client terminal 565 in association with the interface unit 505, Provides information about the customer to the real name verification agency terminal 570 corresponding to the adjacent agency.

According to an exemplary embodiment of the present invention, the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 540 may be text-based information including a name, an attribute, an address, etc. of the neighboring agency. In this case, the information providing unit 550 may provide the adjacent agency information to the client terminal 565 in association with the interface unit 505 by SMS, MMS, E-mail, or the like.

In addition, if the customer is connected to the real name verification guide server 500 or the affiliate server on the communication network through the client terminal 565, the information provider 550, the information of the adjacent agency information In conjunction with the interface unit 505 may be provided to output as a web page (pop-up, etc.) on the client terminal 565.

In addition, when the map information generating unit 545, the map information indicating the location of the adjacent agency is generated, the information providing unit 550, the map information in conjunction with the interface unit 505, the client Processing to provide to the terminal 565.

According to another exemplary embodiment of the present invention, when the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 540 is information obtained by converting the name, attribute, address, etc. of the neighboring agency into voice. In addition, the voice information may be provided to the client terminal 565 in association with the interface unit 505 so that the voice is output through the voice output means included in the client terminal 565. In this case, the real name verification guide server 500 may be further provided with a component for converting the text-based neighboring agency information into voice information. Alternatively, the real name verification agency information, the voice-based real name identification guide information to be provided to the client terminal 565 is stored in advance, and the adjacent agency information extraction unit 540 extracts the voice based information. It may be processed to provide to the client terminal 565 in connection with the information providing unit 550 and the interface unit 505.

On the other hand, the information provider 550 may provide information on the customer who opened the non-real name composite account to the neighboring agency extracted (or generated) by the neighboring agency information extraction unit 540. That is, the neighboring agency extracted by the neighboring agency information extraction unit 540 is a place where the customer who opened the non-real name composite account has a high probability of visiting the real name verification process. Therefore, when receiving the information of the customer corresponding to the non-real name composite account through the real name verification agency terminal 570 provided in the adjacent agency, the real name verification agent (or ATM manager), the customer information (phone number) Information including the e-mail address, etc.) to the client terminal 565 to provide real name verification guide information (including information on the real name verification agency), or real name through a voice (or video) call. You can also provide verification guide information.

In addition, when performing the real name verification for the customer who opened the non-real name composite account in the real name verification agency, it is possible to implement a system to compensate the real name verification agency according to the real name verification results. Therefore, the real name verification agency, can be induced to actively guide the real name verification to the client terminal 565 through the customer information provided through the real name verification agency terminal 570.

The information provider 550 is a real name verification agency terminal 570 corresponding to the neighboring agency extracted (or generated) by the neighboring agency information extraction unit 540, the ledger verification unit 510. It is possible to provide customer information including the name, phone number, home address, work address, base information, etc. of the customer who opened the non-real name composite account confirmed through.

6 is a diagram illustrating a real name confirmation guide process according to an embodiment of the present invention.

In more detail, FIG. 6 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. When a non-real name composite account for non-face-to-face transactions is opened through the processes of FIGS. 3 to 4a and 4b, the nearest real name verification agent is calculated by calculating latitude / longitude based on the customer's home address, work address, and base information. Regarding the process of providing information about the institution to the client terminal, those skilled in the art to which the present invention pertains, various implementations of the real name identification guide process by referring to and / or modified in the present Figure 6 It would be possible to infer a method (e.g., an implementation method in which some steps were omitted or reordered), but the present invention is inferred from the above It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the client terminal on the real name confirmation guide system shown in FIG. 5 is referred to as a "terminal" for convenience, and the real name confirmation guide server is referred to as a "server" for convenience.

Referring to FIG. 6, when a non-real name composite account for non-face-to-face transactions is opened through the processes of FIGS. 3 to 4a and 4b, one of home address, work address, and base information is provided to the customer ledger on the ledger system in the server. Check whether the customer information including the above is registered (600).

When the customer information including at least one of a home address, a work address, and base information is confirmed in the customer ledger (605), the server calculates latitude and longitude based on the home address, work address, and base information. The position information of the position is calculated (610).

Thereafter, the server calculates the latitude / longitude of the customer and the latitude / longitude information included in the agency location information stored in the real name identification agency information D / B, which are located within a predetermined distance. Information is extracted (or generated) (615).

The real name verification agency information stored in the real name verification agency information D / B includes agency property information, real name verification terminal information, agency information, agency address information, agency location information, and real name for each real name verification agency. It can contain one or more verification performance information.

The agency attribute information is an attribute of the real name verification agency, that is, an agency verifying the real name by confirming the identification card and the customer through the real name verification agent, or an ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes of whether it is an ATM that verifies real name through identification or identification and customer fingerprint, or an agency that verifies real name through other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

According to the method of the present invention, the step (615) of extracting (or generating) the adjacent agency information, the agency of the location information for the customer calculated by the latitude / longitude and the real name verification agency information After calculating the distance by mutually calculating the latitude / longitude of the real name verification agency included in the location information, extracting (or generating) information about the real name verification agency located within a predetermined distance (for example, within 5 km) Can be achieved by Therefore, one or more neighboring agencies may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the real name verification guide information including the extracted agency information extracted (or generated) from the server is transmitted to the terminal (620).

In the above-described process, by providing the real name confirmation guide information to the customer through the terminal can recognize the need for real name confirmation, it is possible for the customer to find the adjacent real name verification agency conveniently.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (615), the server generates the map information indicating the location of the neighboring agency (625) ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, the real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal (630).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

7 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 7 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. When a non-real name composite account for non-face-to-face transactions is opened through the processes of FIGS. 3 to 4a and 4b, the location information of the customer is determined by checking a specific region range based on the customer's home address, work address, and base information. Comprising a process for providing to the client terminal information on the real name verification agency located in the local range and / or adjacent area range, such as the specific area range of the customer, the general knowledge in the technical field to which the present invention belongs If the person having the present invention, various implementation methods (e.g. Steps may be omitted, or the order of implementation may be changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. .

Hereinafter, in FIG. 7, the client terminal on the real name confirmation guide system shown in FIG.

Referring to FIG. 7, when a non-real name composite account for non-face-to-face transactions is opened through the processes of FIGS. 3 to 4a and 4b, one of home address, work address, and base information is provided to the customer ledger on the ledger system. Check whether the customer information including the above is registered (700).

When the customer information including at least one of a home address, a work address, and base information is confirmed in the customer ledger (705), the server checks a specific area range based on the home address, work address, base information, and the like. Compute the location information of (710)

The process of calculating location information of the customer 710 may be performed by calculating a specific area range within the address (home address, work address, or frequently visited base address registered by the customer). For example, when the home address registered by the customer is 'A city B district C dong D', the B district is calculated as location information. Of course, according to the preset, the city A or C can also be calculated as the location information. In addition, when the customer frequently registers the 'E station' frequently visited as base information, a specific area range may be calculated based on the location address of the E station.

Thereafter, the server compares the location information of the customer calculated in the specific area range with the agency location information stored in the real name identification agency information D / B, and then the area range and / or the neighborhood equal to the specific area range of the customer. The neighboring agency information located in the regional range is extracted (or generated) (715).

The real name verification agency information stored in the real name verification agency information D / B includes agency property information, real name verification terminal information, agency information, agency address information, agency location information, and real name for each real name verification agency. It can contain one or more verification performance information.

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. Meanwhile, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

According to an exemplary embodiment of the present invention, the process of extracting (or generating) the adjacent agency information 715 may include location information about the customer calculated in the specific region range (eg, district B) and the real name verification agent. Comparing the specific regional ranges included in the agency location information of the agency information, extracting information on the real name verification agency including agency location information (for example, section B) that matches the specific regional range for the customer ( Or generated). Therefore, one or more neighboring agencies may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

According to another exemplary embodiment of the present invention, the process of extracting (or generating) the neighboring agency information 715 may include the real name verification agency information using a specific region range for the customer as a keyword (for example, B zone). Search for, and if there is a real name verification agency including the keyword (section B) among the real name verification agency information, determining the real name verification agency including the keyword (section B) as an adjacent agency information. It may also be achieved by extracting (or generating). In this case, at least one neighboring agency may be extracted (or generated) by the neighboring agency information extracting unit.

Thereafter, in operation 720, the real name identification guide information including the information on the neighboring agency extracted (or generated) is transmitted to the terminal.

In the above-described process, by providing the real name confirmation guide information to the customer through the terminal can recognize the need for real name confirmation, it is possible for the customer to find the adjacent real name verification agency conveniently.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information 715, the server generates map information indicating the location of the neighboring agency (725) ). That is, the agency location information may include latitude / longitude information of the real name verification agency. Therefore, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information indicating the location of the neighboring agency on the map is generated.

Thereafter, real name confirmation guide information including the neighboring agency information and / or the map information is transmitted to the terminal (730).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

8 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 8 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. A customer who opens a non-real name complex account for non-face-to-face transactions through the processes of FIGS. 3 to 4a and 4b, accesses the real name verification guide server shown in FIG. 5 or receives a transaction request to receive a real name verification guide. In order to access the real name verification guide server, or to access an affiliate server on a communication network (for example, to an affiliate site) to obtain other information or to receive services, the customer's home address, work address, base information, etc. Calculating the latitude / longitude based on the information to provide the client terminal with information about the nearest real name verification agency. As one of ordinary skill in the art to which the present invention pertains, various implementation methods (e.g., some steps may be omitted or sequenced) may be omitted by referring to and / or modifying this drawing. It is possible to infer a modified implementation method), but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

In FIG. 8, the client terminal on the real name confirmation guide system shown in FIG. 5 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 8, a customer who has opened a non-real name composite account for non-face-to-face transactions can access a server for real name verification, a server for a transaction request, or obtain other information or receive a service. When connecting to an affiliate server on a communication network (eg, connecting to an affiliate site), the server receives connection information 800 (eg, an ID / PW or a certificate) from the terminal or the affiliate server.

When the server receives the access information, the validity of the access information is checked (805).

According to the method of the present invention, the step 805 of checking the validity may be performed by reading the received access information and confirming that a non-face-to-face transaction complex account corresponding to the access information is opened.

In addition, when the access information is encrypted according to an encryption / decryption method, it is preferable that the server decrypts the access information according to the encryption / decryption method, so as to confirm whether a complex account corresponding to the access information is established. .

In addition, when the electronic signature is attached to the connection information, it is preferable to check whether the composite account corresponding to the connection information is established by checking the electronic signature attached to the connection information.

Those skilled in the art to which the present invention pertains understand the technical features of various decryption methods for decrypting the encrypted access information, and the technical features for confirming the electronic signature attached to the access information. Since there will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the validity check is preferably performed by checking whether at least one ledger matching the access information is registered in the ledger system.

When the non-face-to-face authentication information is included in the access information according to the embodiment of the present invention, the validity check on the composite account may further include authenticating the non-face-to-face authentication information.

If it is not confirmed that the non-face transaction composite account corresponding to the access information is established (810), the composite account opening error information is generated and transmitted to the terminal (815).

If it is confirmed that a non-face-to-face transaction composite account corresponding to the access information is established (810), whether a real name verification vice president is added to the composite account ledger or the customer ledger for the customer (or the additional service management). Check whether the name of the Vice-Chairman is activated through the ledger (820).

If it is confirmed that the real account verification additional ledger is added to the multi-account ledger or the customer ledger for the customer and is activated (825), at least one of home address, work address, and base information is provided to the customer ledger on the ledger system. Check whether the customer information is included (830).

When the customer information including at least one of a home address, a work address, and base information is confirmed in the customer ledger (835), the server calculates latitude and longitude based on the home address, work address, and base information. Compute the position information of (840).

Thereafter, the server calculates the latitude / longitude of the customer and the latitude / longitude information included in the agency location information stored in the real name identification agency information D / B, which are located within a predetermined distance. Information is extracted (or generated) (845).

The real name verification agency information stored in the real name verification agency information D / B includes agency property information, real name verification terminal information, agency information, agency address information, agency location information, and real name for each real name verification agency. It can contain one or more verification performance information.

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

According to the method of the present invention, the step (845) of extracting (or generating) the neighboring agency information, the agency of the location information for the customer calculated by the latitude / longitude and the real name verification agency information After calculating the distance by mutually calculating the latitude / longitude of the real name verification agency included in the location information, extracting (or generating) information about the real name verification agency located within a predetermined distance (for example, within 5 km) Can be achieved by Therefore, one or more neighboring agencies may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits the real name identification guide information including the extracted representative agency information to the terminal (850).

In the above-described process, by providing the real name confirmation guide information to the customer through the terminal can recognize the need for real name confirmation, it is possible for the customer to find the adjacent real name verification agency conveniently.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process (845) of extracting (or generating) the neighboring agency information, the server generates map information indicating the location of the neighboring agency (855). ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, real name confirmation guide information including the neighboring agency information and / or the map information is transmitted to the terminal (860).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

9 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 9 is opened on the multiple account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. A customer who opens a non-real name complex account for a non-face-to-face transaction through the processes of FIGS. 3 to 4a and 4b, accesses the real name verification guide server shown in FIG. 5 or receives a transaction request to receive a real name verification guide. When connecting to an affiliate server on a communication network (for example, to an affiliate site) to access the real name verification guide server or to obtain other information or to receive a service, the customer's home address, work address, and base information Based on the specific region range to calculate the customer's location information, and the region range and / or the same as the specific region range of the customer This is a process for providing information on a real name verification agency located in an adjacent area range to the client terminal, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing. Various implementation methods (for example, some steps may be omitted or the order may be changed) may be inferred for the real name verification guidance process, but the present invention includes all the implementation methods inferred from the above, FIG. 9 The technical features are not limited only to the implementation method shown in FIG.

In the following figure, the client terminal on the real name confirmation guide system shown in FIG. 5 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 9, a customer who opens a non-real name composite account for a non-face-to-face transaction connects to a server for real name verification, to a server for a transaction request, or to obtain other information or to receive a service. When connecting to the affiliate server (eg, affiliate site), the server receives the connection information (eg, ID / PW, or certificate) from the terminal or from the affiliate server (900).

When the server receives the access information, the validity of the access information is checked (905).

According to an exemplary embodiment of the present invention, the step 905 of checking the validity may be performed by reading the received access information and confirming that a non-face-to-face transaction account corresponding to the access information is opened.

In addition, when the access information is encrypted according to an encryption / decryption method, it is preferable that the server decrypts the access information according to the encryption / decryption method, so as to confirm whether a complex account corresponding to the access information is established. .

In addition, when the electronic signature is attached to the connection information, it is preferable to check whether the composite account corresponding to the connection information is established by checking the electronic signature attached to the connection information.

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

According to an embodiment of the present invention, the validity check is preferably performed by checking whether at least one ledger matching the access information is registered in the ledger system.

When the non-face-to-face authentication information is included in the access information according to the embodiment of the present invention, the validity check on the composite account may further include authenticating the non-face-to-face authentication information.

If it is not confirmed that the non-face-to-face transaction composite account corresponding to the access information is established (910), the composite account opening error information is generated and transmitted to the terminal (915).

If it is confirmed that a non-face-to-face transaction composite account corresponding to the access information is established (910), whether a real name verification vice president is added to the composite account ledger or the customer ledger for the customer (or the additional service management). Check whether the name of the additional name ledger is activated through the ledger (920).

If it is confirmed that the real account verification additional ledger is added to the multiple account ledger or the customer ledger for the customer and is activated (925), one or more of home address, work address, and base information is provided to the customer ledger on the ledger system. Check whether the included customer information is registered (930).

When customer information including one or more of a home address, a work address, and base information is confirmed in the customer ledger (935), the server checks a specific area range based on the home address, work address, base information, and the like. Compute the location information of the (940)

The step 940 of calculating the location information of the customer may be performed by calculating a specific area range within the address (the home address, the work address, or the frequently visited base address registered by the customer). For example, when the home address registered by the customer is 'A city B-gu C-dong D', the B-gut is calculated as location information. Of course, according to the preset, the city A or C can also be calculated as the location information. In addition, when the customer frequently registers the 'E station' frequently visited as base information, a specific area range may be calculated based on the location address of the E station.

Thereafter, the server compares the location information of the customer calculated in the specific area range with the agency location information stored in the real name identification agency information D / B, and then the area range and / or the neighborhood equal to the specific area range of the customer. Extracting (or generating) neighboring agency information located in a regional range (945).

The real name verification agency information stored in the real name verification agency information D / B includes agency property information, real name verification terminal information, agency information, agency address information, agency location information, and real name for each real name verification agency. It can contain one or more verification performance information.

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

According to an embodiment of the present invention, the process of extracting (or generating) the neighboring agency information 945 may include location information about the customer calculated in the specific region range (for example, district B) and the real name verification agent. Comparing the specific regional ranges included in the agency location information of the agency information, extracting information on the real name verification agency including agency location information (for example, section B) that matches the specific regional range for the customer ( Or create). Therefore, one or more neighboring agencies may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

According to another exemplary embodiment of the present invention, the process of extracting (or generating) the neighboring agency information 945 may include the real name verification agency information using a specific region range for the customer as a keyword (for example, B zone). Search for, and if there is a real name verification agency including the keyword (section B) among the real name verification agency information, determining the real name verification agency including the keyword (section B) as an adjacent agency information. It may also be achieved by extracting (or generating). In this case, at least one neighboring agency may be extracted (or generated) by the neighboring agency information extracting unit.

Thereafter, the real name identification guide information including the neighboring agency information extracted (or generated) from the server is transmitted to the terminal (950).

In the above-described process, by providing the real name confirmation guide information to the customer through the terminal can recognize the need for real name confirmation, it is possible for the customer to find the adjacent real name verification agency conveniently.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (945), the server generates map information indicating the location of the neighboring agency (955). ). That is, the agency location information may include latitude / longitude information of the real name verification agency. Therefore, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information indicating the location of the neighboring agency on the map is generated.

Thereafter, real name confirmation guide information including the neighboring agency information and / or the map information is transmitted to the terminal (960).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

10 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, in FIG. 10, when neighboring agency information is extracted (or generated) in the real name verification guide process illustrated in FIGS. 6, 7, 8, and 9, the real name verification agent corresponding to the neighboring agency information is displayed. As a process for providing information about a customer who has opened the non-real name composite account to an institution terminal, the person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present drawing to confirm the real name. Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the guiding process may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. The technical features are not limited only to the implemented method.

Referring to FIG. 10, in any one of the real name verification guide processes shown in FIGS. 6 to 9, an adjacent agency based on the home address, work address, base information, etc. of the customer who opened the non-real name composite account When the information is extracted (or generated), the customer information is transmitted to the real name verification agency terminal corresponding to the extracted (or generated) adjacent agency (1000).

The adjacent agency is a place where the customer who opened the non-real name composite account has a high probability of visiting the real name verification process. Therefore, when receiving the information of the customer corresponding to the non-real name composite account through the real name verification agency terminal provided in the adjacent agency, the real name verification agent (or ATM manager), the customer information (telephone number, E- provide real name verification information (including information on the real name verification agency) to the client terminal by referring to the information including the mail address), or provide real name verification information through a voice (or video) call. It may be.

In addition, when real name verification is performed on the customer who has opened the non-real name composite account in the real name verification agency, the real name verification agency may implement a process of compensating according to the results of the real name verification. Therefore, the real name verification agency, can be induced to actively guide the real name verification to the client terminal through the customer information provided through the real name verification agency terminal.

The customer information may include a name, a phone number, a home address, a work address, base information, etc. of a customer who has opened the non-real name composite account.

On the other hand, as shown in Figure 10, the process of providing customer information from the server to the real name verification agency terminal corresponding to the extracted agency (or generated) adjacent agency, must be shown in Figures 6 to 9 It is not performed immediately after the process of extracting (or generating) the neighboring agency information, and after transmitting the real name identification guide information including the neighboring agency information to the client terminal, or the real name verification guide including the map information. Naturally, the information may be performed after transmitting the information to the client terminal.

11 is a diagram illustrating a real name confirmation guide system according to another embodiment of the present invention.

In more detail, Figure 11 is opened on the composite account ledger system 1155 shown in Figure 2 through the financial account opening system shown in Figure 1 is a secondary ledger detachment method through the addition / deletion of one or more additional ledgers In the non-real name composite account for non-face-to-face transaction, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time, and When the location of the real name is adjacent to the real name verification agency, showing the real name verification guide system configuration to induce the real name verification by transmitting the real name verification information to the wireless terminal, the general knowledge in the technical field to which the present invention belongs If a person having a, various implementations for the configuration of the real name confirmation guide system by referring to and / or modified in this figure It would be possible to infer a method (eg, an implementation method in which some components are omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited.

In addition, in FIG. 11, a compound account ledger and a customer ledger corresponding to the compound account and one or more additional ledgers added / deleted to the compound account ledger to the customer ledger are provided in the ledger system 1155 shown in FIG. The present invention is not limited thereto, and the additional ledger may be provided in the ledger system 1155 associated with an existing financial institution financial system equipped with the multiple account ledger and the customer ledger. It is obvious.

Hereinafter, a non-real name compound account for a non-face-to-face transaction opened on the compound account ledger system 1155 shown in FIG. 2 through the financial account opening system shown in FIG. 1 on the real name confirmation guide system shown in FIG. Checks the customer information stored in the customer ledger, and transmits the real name identification guide information to the wireless terminal when the location is adjacent to a preset name verification agency through the location tracking of the wireless terminal corresponding to the wireless terminal number of the customer. One or more means for inducing real name verification and / or a component corresponding to the functional configuration are referred to as " real name verification guide server 1100 " for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, the real name verification guide system includes a client terminal 1165 and a real name verification guide server 1100.

According to an exemplary embodiment of the present invention, the client terminal 1165 including a wireless terminal (for example, a mobile phone) connected to the wireless communication network is provided through at least one real name verification guide interface provided by the real name verification guide server 1100. It may be provided with a function to receive and output the real name confirmation guide information for the real name confirmation.

Herein, the wireless terminal connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) / WCDMA / GSM-based mobile communication network, all terminal devices connected to a high-speed downlink packet access (HSDPA) -based wireless communication network, and IEEE General term for all terminal devices connected to the 802.16x-based portable Internet, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, and a personal digital cellular network connected to the CDMA / WCDMA / GSM-based mobile communication network. One or more terminals (Personal Digital Cellular (PDC), PHS (Personal Handyphone System) terminal, Personal Digital Assistant (PDA), Smartphone (Smart Phone), Telematics, or HSDPA-based) A wireless data communication terminal connected to a wireless data communication network, or a portable internet terminal connected to the IEEE 802.16x-based portable internet, or the like. It can be made to PO box.

In addition, the communication network connecting the client terminal 1165 and the real name identification guide server 1100, CDMA / WCDMA / GSM based mobile communication network, HSDPA based wireless data communication network according to the type of wireless communication network connected to the client terminal 1165 It may be any one of IEEE 802.16x based portable Internet networks, or may include all types of wireless communication networks proposed in the future, including wireless sections.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 1165 corresponding to one or more wireless terminals, and thus, a detailed description thereof will be omitted for convenience.

The real name identification guide server 1100 provided on the real name identification guide system according to the present invention is a generic name of a component of the real name identification guide system connected to the client terminal 1165 through a communication network, and includes one or more servers (or apparatuses). ), Or may be implemented as one or more programs recorded on a recording medium provided in a server (or apparatus), thereby making it clear that the present invention is not limited.

According to an embodiment of the present invention, the real name verification guide server 1100 is a web server provided with a financial institution to which the client terminal 1165 is connected, or a program provided in the web server, or the web server Ledger system 1155 accessible through, or may include a server (or device) on the ledger system 1155 accessible through the web server, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the real name verification guide server 1100 is a non-face-to-face transaction server that the real name verification agent is connected through a real name verification terminal (not shown) provided in the real name verification agency, or the non- A program provided in the face-to-face transaction server, or a ledger system 1155 accessible through the non-face-to-face transaction server, or a server (or device) on the ledger system 1155 accessible through the non-face-to-face transaction server. As such, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the real name verification guide server 1100, in addition to the real name verification terminal (not shown) provided in the real name verification agency, information registration server that can be connected through a financial automated device or a call terminal Or a program provided in the information registration server, or a ledger system 1155 accessible through the information registration server, or a server (or device) on the ledger system 1155 accessible through the information registration server. It may include, but the invention is not limited thereto.

According to an exemplary embodiment of the present invention, the real name verification guide server 1100 may include an interface unit 1105 for connecting and managing a communication channel with the client terminal 1165 through the communication network.

According to another exemplary embodiment of the present invention, when the client terminal 1165 is a wireless terminal connected to a wireless communication network, the interface unit 1105 may be connected to the client terminal 1165 based on a protocol stack defined in the wireless communication network. The communication channel may be connected, and a communication interface for transmitting and receiving one or more information (or data) may be provided using a communication protocol defined in a communication program included in the client terminal 1165.

For example, when the client terminal 1165 includes a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 1105 is based on the CDMA protocol. ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. Can provide.

Alternatively, when the client terminal 1165 is provided with a communication program (eg, a VM-based banking program or an IC chip-based banking program) provided by the real name verification guide server 1100, the interface unit 1105 A communication channel may be connected to the client terminal 1165 based on the CDMA protocol, and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 1165 is a call terminal connected to a wireless telephone network, the interface unit 1105 is based on the voice call protocol defined in the wireless telephone network. It is possible to connect a call path and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1105 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provide a communication interface for transmitting and receiving information based on voice recognition. Can be.

Referring to FIG. 11, the real name confirmation guide server 1100 is opened through the ledger operating interface of the ledger system 1155 shown in FIG. 2 through the financial account opening system shown in FIG. 1. It may include a ledger verification unit 1110 (or ledger verification means) for confirming information recorded in the customer ledger, the composite account ledger and one or more additional ledgers corresponding to the non-real name compound account for face-to-face transactions.

According to an embodiment of the present invention, the ledger confirmation unit 1110 may include a customer ledger, a composite account ledger, and one or more corresponding to the non-real name composite account for non-face-to-face transactions through the ledger operating interface provided in the ledger system 1155. The information recorded in the additional ledger is checked to confirm whether the real name verification additional ledger is added and activated, and whether the location information consent information is included in the customer information of the customer ledger.

In addition, when the ledger check unit 1110 confirms that a real name verification additional ledger is added and activated to the multi-account ledger or the customer ledger for the customer, and the location tracking consent information is included, the customer ledger Checking the customer information stored in the customer may register the home address, work address, base information and the like.

On the other hand, the main purpose of the real name verification guide system shown in Figure 11, when a customer who opened a non-real name compound account opens the non-real name compound account, corresponding to the wireless terminal number (e.g. mobile phone number) registered in the customer information If a location tracking agreement has been made for a wireless terminal (for example, a mobile phone), the location of the wireless terminal is tracked from time to time, and the location of the wireless terminal is based on the location (home address, work address, base information, etc.) registered by the customer. When located in the vicinity, to provide information about the real name verification agency adjacent to the base to the wireless terminal, to induce the real name verification. Accordingly, the subject who is provided with the service through the real name verification guide system shown in FIG. 11 (that is, the location tracking process and the real name verification guide information is provided) has a real name verification vice president added to the compound account ledger or the customer ledger. Only for customers who are enabled and contain location tracking consent information. Accordingly, a storage medium storing only information on the customer (name of the customer whose name has not been confirmed yet and who has consented to location tracking) to be provided with the service by the real name confirmation system shown in FIG. Naturally, for example, real name confirmation target customer information D / B (not shown) may be provided to be processed so as to be associated with the real name confirmation guide server 1100. On the other hand, in the embodiment of the present invention shown in Figure 11, through the ledger identification unit 1110 to check the composite account on the ledger system 1155 to identify the customer opened a non-real name composite account to be tracked location Although shown by way of example, it will be apparent that this is not a limitation of the present invention.

The description of the ledger confirmation unit 1110 will be described in more detail later along with the customer location confirmation unit 1120.

Referring to FIG. 11, the real name confirmation guide server 1100 provides an interface for providing a user interface including the real name confirmation guide information to the client terminal 1165 in association with the interface unit 1105. (Or interface providing means).

When the interface providing unit 1115 determines that the location of the client terminal 1165 is a location adjacent to the preset name verification agency, the name providing agency is located near the client terminal 1165. It is provided to provide a user interface for transmitting real name confirmation guide information to the client terminal (1165).

According to an embodiment of the present invention, when the client terminal 1165 is a wireless terminal connected to a wireless communication network, the interface providing unit 1115 may be provided by a browser program or a communication program provided in the client terminal 1165. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the client terminal 1165 through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the client terminal 1165 is a call terminal connected to a wireless telephone network, the interface provider 1115 may provide a user interface (eg, a voicement based user) that can be provided to the call terminal. An interface or a graphic user interface outputable through a screen output means provided in the call terminal, and generates (or extracts) the user interface generated through the interface unit 1105. (Not shown) is preferable.

According to another exemplary embodiment of the present invention, when a program having one or more user interfaces capable of outputting the real name confirmation guide information is provided to the client terminal 1165, the client interface is generated (or extracted) by the client. The interface providing unit 1115 provided to the terminal 1165 may be omitted, and the present invention is not limited thereto.

Referring to FIG. 11, the real name verification guide server 1100 opens a non-real name composite account confirmed through the ledger verification unit 1110 (or confirmed through real name verification target customer information D / B (not shown)). In order to identify the location of the wireless terminal corresponding to the wireless terminal (eg, cellular phone) number of the customer, location request information is generated at predetermined time intervals or at predetermined time intervals, and is connected to the interface unit 1105 to communicate with the communication company on the communication network. An information receiving unit for receiving the customer location information on the location request information from the communication server in connection with the customer location confirmation unit 1120 (or customer location confirmation means) and the interface unit 1105 to transmit to the server ( 1125) (or information receiving means) and information on a predetermined real name verification agency for real-name verification of a customer for the non-real name composite account in a face-to-face / non-face-to-face manner The real name confirmation agency information confirmation unit 1130 (or real name confirmation agency information confirmation means) confirmed from the real name confirmation agency information D / B 1160, and the location information of the customer received by the information receiving unit 1125 Check that the location of the customer (that is, the location of the wireless terminal) is located near the base registered by the customer when opening the composite account (eg, from a location calculated based on home address, work address, and base information). Customer location determination unit that determines whether a real name verification agency is located within a predetermined distance, or within a range of a neighboring area, or a predetermined distance from the location of the customer, or whether a real name verification agency is located within a range of the customer's location. 1135 (or customer location determining means) can be made.

According to one embodiment of the present invention, the ledger check unit 1110 is a predetermined time (for example, weekdays 9, 12, 15, 18:00) or at a predetermined time interval (for example every two hours) In the ledger system 1155, a real account verification additional ledger associated with the multi-account ledger or the customer ledger exists and is activated, and the customer who has agreed to the location tracking (hereinafter referred to as a 'real name verification target customer') is identified. The customer location confirmation unit 1120, the location confirmation request to confirm the location of the wireless terminal corresponding to the wireless terminal (for example, mobile phone) number in the customer information of the real name verification target customer confirmed by the ledger confirmation unit 1110 Information is generated (or extracted), and the location request information is transmitted to the communication company server on the communication network in association with the interface unit 1105.

According to another exemplary embodiment of the present disclosure, the customer location checking unit 1120 may set the real name verification target customer information D / B (not shown) in which the information on the real name verification target customer is stored. Or checking at a predetermined time interval, and generating (or extracting) location request information to identify a location of a wireless terminal corresponding to a wireless terminal (eg, a mobile phone) number in the customer information of the customer to be verified. The verification request information is transmitted to the communication company server on the communication network in association with the interface unit 1105.

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When receiving the location request information transmitted from the real-name confirmation guide server 1100, by checking the location of the wireless terminal corresponding to the number of the wireless terminal (for example, mobile phone) included in the location request information, the customer The location information is transmitted to the real name verification guide server 1100.

Those skilled in the art to which the present invention pertains to the technical features to check the location of one or more wireless terminals in the communication server on the communication network, and transmits the location information of the customer to the real name identification guide server 1100 Since it can be easily inferred, the detailed description thereof will be omitted for convenience.

The information receiving unit 1125 receives location information of a radio terminal corresponding to the radio terminal number from a communication company server on the communication network in cooperation with the interface unit 1105.

The real name verification agency information verification unit 1130 checks the information on the preset real name verification agency for real-name verification of the customer for the non-real name composite account face-to-face / non-face-to-face.

When opening a financial account for an existing financial transaction, he had to visit an offline bank in person, present an identification card at a window, and face-to-face verification. However, the customer who opened the non-real name compound account for non-face-to-face transaction on the compound account ledger system 1155 shown in FIG. 2 through the financial account opening system shown in FIG. 1 did not go through the real name verification process. There are limitations (eg, limit restrictions, trade restrictions, etc.). Therefore, customers must go through a real name verification process in order to conduct a smooth financial transaction, and this real name verification process is performed through a face-to-face verification process through staff such as gas stations, convenience stores, and telecommunications agencies, or by using ID and face recognition using ATM. This can be done through a process (or identification and fingerprint process). Gas stations, convenience stores, telecommunications agencies, ATMs (or ATM management points), etc., which act as real name verifications, are referred to as' real name verification agencies', and wired and wireless terminals for real name verification provided by the real name verification agencies are referred to as' The real name confirmation terminal ', the wired and wireless communication means provided in the real name verification agency is referred to as a "real name verification agency terminal" (that is, in some cases the real name verification terminal and the real name verification agency terminal may be the same terminal).

The real name verification agency information may include at least one agent property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency have.

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement of the real name verification agency performing the real name verification.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

In addition, the real name confirmation information system, or provided with a real name verification agency information D / B (1160), or the real name verification agency information D / B (160) It is preferable to interoperate with a predetermined DBMS that operates a DMS or a D / B server provided with the real name verification agency information D / B 1160.

The customer location determiner 1135 checks the location information of the customer (that is, the location of the wireless terminal) received by the information receiver 1125 to determine whether the location of the customer is adjacent to the location of the real name verification agency. Then, it is determined whether the customer to be provided with real name confirmation information.

According to the exemplary embodiment of the present invention, the customer location determining unit 1135 checks the location information of the customer received by the information receiving unit 1125 to determine the location of the customer (that is, the location of the wireless terminal). It is possible to determine whether the customer is to receive real name verification information by checking whether the customer is located near the registered (or later modified) base when opening the compound account.

Here, although there may be various cases depending on the technical feature of tracking the location of the wireless terminal (for example, mobile phone) in the communication company on the communication network, the location information of the customer received by the information receiving unit 1125 transmitted by the communication company is , Information including latitude and longitude.

If the location information of the customer received by the information receiver 1125 is information including latitude and longitude, the customer location determining unit 1135 calculates the location of the wireless terminal based on the latitude and longitude. In this case, it is possible to find an area range in which the wireless terminal is located, and determine whether the location of the wireless terminal matches or is adjacent to the area range of the home address, work address, base information, etc. included in the customer information. The position of the wireless terminal calculated based on the latitude and longitude received by the information receiving unit 1125 is 'A city B-gu', and confirmed through the ledger check unit 1110 (or real name confirmation target customer information D /). When at least one of the customer's home address, work address, and base information included in the customer information (confirmed from B) is information including 'A city B district', the wireless terminal may provide real name identification guide information. It can be determined as a wireless terminal to be provided. Of course, the specific area range for determining the wireless terminal to be provided with the real name confirmation information may vary depending on the preset. In addition, according to the setting, the location of the wireless terminal calculated based on the latitude and longitude received by the information receiving unit 1125 is 'A city B-gu', the home address, work of the customer included in the customer information Even if one or more of the address and the base information is 'A E E' or 'A F F' adjacent to the 'A B', the wireless terminal is determined to be provided with the real name confirmation information. You can also do that.

On the other hand, the location information of the customer transmitted by the communication company and received by the information receiver 1125 may be text-based information (eg, near A-dong, B-gu, C-dong) indicating the area range where the wireless terminal is located.

If the location information of the customer received by the information receiver 1125 is information indicating a region range where the wireless terminal is located, the customer location determiner 1135 includes the location of the wireless terminal in the customer information. Determine whether or not it matches or is adjacent to a local range, such as a home address, work address, or base information. For example, the position of the wireless terminal received by the information receiving unit 1125 is 'A city B', and confirmed through the ledger check unit 1110 (or confirmed from the real name confirmation target customer information D / B (not shown)). ) When at least one of the customer's home address, work address, and base information included in the customer information includes information including 'A city B district', the wireless terminal should receive real name verification guide information. Judging by Of course, the specific area range for determining the wireless terminal to be provided with the real name confirmation information may vary depending on the preset. In addition, according to the setting, the location of the wireless terminal received by the information receiving unit 1125 is 'A city B-gu', at least one address of the home address, work address, base information of the customer included in the customer information Even when the 'A city E district' or 'A city F district' adjacent to the 'A city B district', the wireless terminal may be determined to be a wireless terminal to be provided with real name identification guide information.

According to another exemplary embodiment of the present invention, the customer location determining unit 1135 checks the location information of the customer received by the information receiving unit 1125, and the real name verification agency within a predetermined distance from the location of the customer. It is possible to determine whether the customer to be provided with the real name identification guide information by checking whether the location or the real name verification agency is located within the region where the customer is located.

If the location information of the customer received by the information receiving unit 1125 is information including latitude and longitude, the customer location determining unit 1135 may be linked with the real name verification agency information checking unit 1130. And comparing and confirming agency location information of the real name verification agency information stored in the real name verification agency information D / B 1160, confirming whether the real name verification agency is located within a predetermined distance from the location of the customer, and confirming the real name verification. Determine if you are a customer to receive information. That is, the latitude / longitude of the real name verification agency included in the location information of the customer (the location information of the wireless terminal) received from the information receiving unit 1125 and the agency location information of the real name verification agency information. Calculate the distance by mutual operation and if there is a real name verification agency located within a predetermined distance (for example within 5 km) is determined whether the customer possessing the wireless terminal is to receive the real name verification information information can do.

Alternatively, the customer location determiner 1135 calculates the location of the wireless terminal based on the information including the latitude / longitude received by the information receiver 1125, and finds an area range in which the wireless terminal is located. It is possible to determine whether there is a real name verification agency that matches or adjacent to the area range in which the wireless terminal is located to determine whether the customer possessing the wireless terminal is the customer to receive the real name identification guide information. For example, when the location of the wireless terminal calculated based on the latitude and longitude received by the information receiver 1125 is 'A city B-gu', the real name verification is linked with the real name verification agency information verification unit 1130. Is there a real name verification agency located in the 'A city B district' on the agency information D / B (1160), that is, real name verification agency information having the agency location information including the 'A city B district' Check whether there is a real name, and if there is real name verification agency information having agency location information including the 'A city B district', it is determined that the customer who will be provided with the real name verification guide information for the customer possessing the wireless terminal. can do.

If the location information of the customer received by the information receiver 1125 is information indicating the area range where the wireless terminal is located, the customer location determiner 1135 may be identical to or adjacent to the area range where the wireless terminal is located. By checking whether there is a real name verification agency to determine whether the customer possessing the wireless terminal is a customer to receive the real name verification guide information. For example, when the location of the wireless terminal received by the information receiving unit 1125 is 'A city B', the real name verification agency information D / B 1160 is linked with the real name verification agency information checking unit 1130. Check whether there is a real name verification agency located in the 'A city B district', that is, the real name verification agency information having the location information of the agency including the 'A city B district', When there is real name verification agency information with agency location information including 'A city B', it can be determined as a customer who will be provided with real name identification guide information for the customer who has the wireless terminal.

In addition, the customer location determination unit 1135, when confirming the real name verification agency information corresponding to or adjacent to the area range in which the wireless terminal is located, by using the area range as a keyword (for example, B zone), the real name confirmation Search for agency information, and if there is a real name verification agency including the keyword (section B) among the real name verification agency information, it is determined that the customer who will be provided with the real name verification guide information for the customer possessing the wireless terminal. can do.

Referring to FIG. 11, the real name verification guide server 1100 is a customer having a wireless terminal tracked by the customer location determiner 1120 to receive the real name verification guide information. 1135, adjacent to extract (or create) the real name verification agency information (hereinafter adjacent agency information) located adjacent to the point where the wireless terminal is located in connection with the real name verification agency information verification unit 1130. The agency information extraction unit 1140 (or neighbor agency information extraction means) and the location of the neighbor agency based on the extracted (or generated) neighbor agency information on the map to generate map information Map information generating unit 1145 (or map information generating means), adjacent agency information extracted (or generated) by the adjacent agency information extracting unit 1140, or the map information generation. And an information providing unit 1150 (or information providing means) for processing to provide the map information extracted (or generated) from the voice unit 1145 to the client terminal 1165.

When the customer location determining unit 1135 determines that the customer having the wireless terminal tracked by the customer location checking unit 1120 is to be provided with real name identification guide information, the adjacent agency information extracting unit 1140 In connection with the real name verification agency information verification unit 1130, information about the real name verification agency located near the base (home address, work address, or base information, etc.) registered by the customer, or the wireless terminal Information about a real name verification agency located within a range of an area where it is located, or about a real name verification agency located within a predetermined distance from a location of the wireless terminal, or a real name verification agency located adjacent to a range of a region where the wireless terminal is located. Extract (or create) information about

According to an exemplary embodiment of the present invention, the customer location determiner 1135 calculates the location of the wireless terminal based on latitude / longitude information received by the information receiver 1125, and the wireless terminal is located. After finding the area range, it is determined whether the location of the wireless terminal coincides with or adjacent to the area range of the home address, work address, base information, etc. included in the customer information, and the customer who owns the wireless terminal is the real name confirmation guide information. If it is determined that the customer to be provided, the adjacent agency information extraction unit 1140, real name verification agency information located within the area range, such as home address, work address or base information, the real name verification agency information D Extract (or generate) from / B 1160. Alternatively, the real name verification agency information located near the local range such as the home address, work address, or base information may be extracted (or generated) from the real name verification agency information D / B 1160.

For example, when one of the home address, work address, and base information included in the customer information is address information of 'A-dong B-gu C-dong D address', the adjacent agency information extracting unit 1140 checks the real name. Comparing the specific area ranges included in the agency location information of the agency information, extracting information on the real name verification agency including agency location information (eg, B) that matches the specific area range of the customer ( Or create). In addition, it is also possible to extract (or create) information about the real-name verification agency located in the area range (for example, E or F) adjacent to the location information (for example, B).

According to another exemplary embodiment of the present invention, in the customer location determining unit 1135, the area of the wireless terminal received by the information receiving unit 1125 is located, and the location of the wireless terminal is included in the customer information. If it is determined that the customer having the wireless terminal is the customer to receive the real name verification information by determining whether or not to match the area range, such as home address, work address, base information, etc., the neighboring agency information extraction unit ( 1140 extracts (or generates) real name verification agency information located within a local range such as home address, work address, or base information from the real name verification agency information D / B 1160. Alternatively, real name verification agency information located in the vicinity of a local range such as home address, work address, or base information may be extracted (or generated) from the real name verification agency information D / B 1160.

According to another exemplary embodiment of the present invention, the customer location determination unit 1135 stores the latitude / longitude information received by the information receiver 1125 and the real name stored in the real name confirmation agency information D / B 1160. When comparing the agency location information of the confirmation agency information and confirming that the real name verification agency is located within a predetermined distance (for example, within 5 km) from the location of the customer, and judges that the customer to receive the real name verification guide information, The adjacent agency information extracting unit 1140 may extract (or generate) information on the real name verification agency located within the determined predetermined distance from the real name verification agency information D / B 1160.

Alternatively, the customer location determining unit 1135 calculates the location of the wireless terminal based on latitude / longitude information received by the information receiving unit 1125 to find an area range in which the wireless terminal is located. When it is determined that a real name verification agency exists that matches or is adjacent to the area where the wireless terminal is located, and determines that the customer possessing the wireless terminal is a customer to receive the real name verification information, the neighboring agency information extracting unit 1140 ) May extract (or generate) real name identification guide information existing in a local range such as a local range where the wireless terminal is located from the real name identification agency information D / B 1160. In addition, the neighboring agency information extracting unit 1140 may extract (or generate) real name identification agency information located in a region range adjacent to the region range where the wireless terminal is located.

For example, when the area range calculated by the customer location determiner 1135 based on the latitude / longitude information of the wireless terminal is 'A city B', the neighboring agency information extracting unit 1140 may be configured as the above. By comparing the specific area ranges included in the agency location information of the real name verification agency information, information about the real name verification agency including agency location information (for example, section B) that matches the specific area range of the customer is obtained. Can be extracted (or generated). In addition, it is also possible to extract (or create) information about the real-name verification agency located in the area range (for example, E or F) adjacent to the location information (for example, B).

Here, one or more neighboring agencies extracted (or generated) by the neighboring agency information extracting unit 1140 may be one or more.

In addition, the neighboring agency information extracting unit 1140 matches the local range of the real name such as home address, work address, base information, or the like, and confirms the name of the real name verification agency, which is the local range as a keyword (for example, B). Search for the real name verification agency information, and if there is a real name verification agency including the keyword (B phrase) among the real name verification agency information, the real name verification agency including the keyword (B phrase) It is possible to extract (or generate) the information of the institution or to extract (or generate) the information of the real name verification agency including the region range (for example, E or F) adjacent to the keyword (section B). .

The map information generating unit 1145 displays the map information by displaying the location of the neighboring agency on the map based on the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 1140. Create

According to an embodiment of the present invention, the map information generator 1145 is based on the latitude / longitude information of the neighboring agency, extracted (or generated) by the neighboring agency information extracting unit 1140, A map including the neighboring agency and its surrounding information is generated, and map information in which the position of the neighboring agency is displayed on the map is generated.

To this end, the real-name confirmation guide system is provided with predetermined map information D / B for storing map information for displaying the location of the adjacent agency, or predetermined operation for operating the map information D / B (not shown). It is preferable to interwork with the DBMS of, or D / B server having the map information D / B.

Here, since the map information is not included in the neighboring agency information, only the text-based information such as the name, attribute, address, etc. of the agency is provided to the client terminal 1165, and thus the map information. The generation unit 1145 is not a component that must be provided.

The information providing unit 1150 provides the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 1140 to the client terminal 1165 in association with the interface unit 1105.

According to an exemplary embodiment of the present invention, the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 1140 may be text-based information including a name, an attribute, an address, etc. of the neighboring agency. In this case, the information providing unit 1150 may provide the adjacent agency information to the client terminal 1165 in association with the interface unit 1105 by a method such as SMS, MMS, or E-mail.

In addition, when the map information generating unit 1145, the map information indicating the location of the adjacent agency is generated, the information providing unit 1150, the map information in conjunction with the interface unit 1105, the client Processing to provide to the terminal 1165.

According to another exemplary embodiment of the present invention, when the neighboring agency information extracted (or generated) by the neighboring agency information extracting unit 1140 is information obtained by converting the name, property, address, etc. of the neighboring agency into voice. In addition, voice information may be provided to the client terminal 1165 in association with the interface unit 1105 so that the voice is output through the voice output means included in the client terminal 1165. In this case, the real name confirmation guide server 1100 may further include a component for converting the text-based neighboring agency information into voice information. Alternatively, the real name verification agency information, the voice-based real name identification guide information to be provided to the client terminal 1165 is stored in advance, and the adjacent agency information extraction unit 1140 extracts the voice-based information. In addition, the information providing unit 1150 and the interface unit 1105 may be processed to be provided to the client terminal 1165.

12 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 12 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the non-real name combined account for non-face-to-face transactions, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time, and the location of the wireless terminal is When the client is located near a local range such as a home address, a work address, or a base information of the customer information, the client may receive information about a real name verification agency located within the local range, or a real name verification agency located adjacent to the local range. As a process for providing to the terminal, a person having ordinary knowledge in the technical field to which the present invention belongs However, various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred by referring to and / or modifying this drawing 12. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

12, the client terminal on the real name confirmation guide system shown in FIG. 11 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 12, the non-real-time non-real-name compound account for the non-face-to-face transaction is set at the server at a predetermined time (eg, weekdays 9, 12, 15, 18:00) or at regular time intervals (eg, every 2 hours). Open and confirm the customer information agreed to the location tracking of the wireless terminal (1200). That is, according to the method of the present invention, the real name confirmation target customer to be provided with the real name confirmation guide information is confirmed.

According to an exemplary embodiment of the present invention, on the ledger system shown in FIG. 2, a real name verification additional ledger is added to the multi-account ledger or the customer ledger and is activated, and information about a customer including location tracking consent information is included. By confirming, it is possible to confirm that the customer is a subject of real name confirmation.

According to another embodiment of the present invention, the real name confirmation target customer information (that is, the real name confirmation vice president is added and activated, and stores information about the customer who has agreed to the location tracking for the wireless terminal) The real name verification target customer may be confirmed from a storage medium (eg, the real name verification target customer information D / B).

If the target customer to confirm the real name is confirmed in the server (1205), that is, the real name additional vice president is added to the compound account ledger or the customer ledger and is activated, and includes the location tracking agreement information (real name) Customer to be confirmed), (or extracts) location request information for identifying a location of a wireless terminal (for example, a mobile phone) corresponding to the wireless terminal number of the real name verification target customer and generates (or extracts) information to a communication company server on the communication network. Transmit 1210.

Thereafter, the server receives the location information of the wireless terminal of the customer from the communication company server on the communication network (1215).

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When the location request information transmitted from the server is received by the communication company server, the location of the wireless terminal corresponding to the number of the wireless terminal (eg, a mobile phone) included in the location request information is checked, and the location information of the customer (Location information of the wireless terminal) is transmitted to the server.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of transmitting the location information of the customer to the server by identifying the location of one or more wireless terminals in the communication server on the communication network. Since there will be, a detailed description thereof will be omitted for convenience.

Here, according to a technical feature of tracking the location of the wireless terminal (for example, a mobile phone) in the communication server on the communication network, the location information of the customer transmitted from the communication company server and received at the server may be various. In FIG. 12, it is assumed that the location information of the customer (that is, location information of the wireless terminal) is information including latitude and longitude.

Of course, if the customer's wireless terminal is powered off or located in a communication shadow area, the telecommunications company server transmits the location information on the last position where the wireless terminal has transmitted and received the signal to the server, or to the wireless terminal. Error information indicating that the location cannot be determined may be transmitted to the server.

After receiving the location information (latitude and longitude information) of the wireless terminal of the customer from the communication company server, the server calculates the area range where the wireless terminal of the customer is located based on the latitude and longitude information (1220).

After calculating the area range where the wireless terminal is located based on the latitude / longitude information, the area range where the wireless terminal of the customer is located in the server is one of the address information (home address, work address, base information) of the customer information. (1225).

For example, if the area range where the wireless terminal is located is 'A city B', the area range of address information (one or more of home address, work address, base information) of customer information registered by the customer is 'A city B' Make sure you include the phrase '. Of course, it is also possible to check whether the area range in which the wireless terminal of the customer is located is located in an area range adjacent to the area range of the address information of the customer information. For example, the area range of the address information (at least one of home address, work address, and base information) of the customer information is information including 'A city B ward', and the area range where the wireless terminal is located is 'A city B'. In the case of 'A city E district' or 'A city F district' adjacent to the 'sphere', the wireless terminal may be regarded as being located within the area range of the address information of the customer information.

If the area range where the wireless terminal is located and the area range of the address information of the customer information match or are determined to be adjacent to each other (1230), the server is located within the area range of the address information of the customer information or adjacent area. The real name verification agency information (adjacent agency information) located within the range is extracted (or generated) (1235).

Here, the process of extracting (or generating) the neighboring agency information may be extracted (or generated) from the real name verification agency information D / B which stores information on the real name verification agency.

The real name verification agency information may include at least one agency property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency. .

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

That is, if the location of the wireless terminal is found to match or be adjacent to the area range of the address information of the customer information (that is, the address information of the customer information is the area range including 'A city B district', the wireless terminal The location of the 'A city B district' or 'A city B district' adjacent to the 'A city B district' or 'A city F district'), confirming the agency location information of the real name verification agency information Thus, the location of the address information of the customer information is located close to or adjacent to (i.e., located in 'A city B district' or 'A city E district' or 'A city F' adjacent to the 'A city B district') Extract (or create) information about a real name verification agency (located in the old name). Of course, at least one adjacent agency may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits the real name identification guide information including the extracted agency information extracted from the server (or generated) to the terminal (1240).

In the above-described process, when the location of the wireless terminal of the customer is frequently checked and the customer is located in a pre-registered base (that is, at least one of address information (home address, work address, base information) of the customer information By accessing a location close to the area of the area), by indicating that the real name verification agency is located in the vicinity of the customer, it is possible for the customer to easily find the adjacent real name verification agency, and also to recognize the need for real name verification There is a number.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (1235), the server generates map information indicating the location of the neighboring agency (1245). ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, the real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal (1250).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

On the other hand, after providing the real name verification guide information to the terminal of the real name verification target customer, even if the real name verification target customer does not perform the real name verification, the real name verification target customer for a predetermined time (for example, 24 hours, or It is also possible to implement a processor that prevents frequent reception of the real name verification information by excluding the customer from the real name verification target for one week). For example, if the real name confirmation guide information is provided to the terminal, the real name confirmation is recorded in the process 1200 of recording the date and time for providing the real name confirmation guide information to the customer information of the customer for the terminal, and confirming the target name verification target customer Even if the target customer is confirmed, a process may be implemented to prevent location tracking if a predetermined time (for example, 24 hours or one week) has not passed.

13 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 13 is opened on the multiple account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the non-real name combined account for non-face-to-face transactions, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time, and the location of the wireless terminal is When the client is located near a local range such as a home address, a work address, or a base information of the customer information, the client may receive information about a real name verification agency located within the local range, or a real name verification agency located adjacent to the local range. Regarding the process provided by the terminal, those of ordinary skill in the art However, various implementation methods (for example, some steps may be omitted or the order may be changed) may be inferred by referring to and / or modifying the present invention, but the present invention may infer the above-mentioned. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the client terminal on the real name confirmation guide system shown in FIG. 11 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 13, the non-real-time non-real-name compound account for the non-face-to-face transaction is set at the server at a preset time (eg, weekdays 9, 12, 15, 18:00) or at regular time intervals (eg, every 2 hours). Open and check the customer information agreed to the location tracking of the wireless terminal (1300). That is, according to the method of the present invention, the real name confirmation target customer to be provided with the real name confirmation guide information is confirmed.

According to an exemplary embodiment of the present invention, on the ledger system shown in FIG. 2, a real name verification additional ledger is added to the multi-account ledger or the customer ledger and is activated, and information about a customer including location tracking consent information is included. By confirming, it is possible to confirm that the customer is a subject of real name confirmation.

According to another embodiment of the present invention, the real name confirmation target customer information (that is, the real name confirmation vice president is added and activated, and stores information about the customer who has agreed to the location tracking for the wireless terminal) The real name verification target customer may be confirmed from a storage medium (eg, the real name verification target customer information D / B).

If the customer to confirm the real name is confirmed in the server (1305), that is, the customer name is added to the multi-account ledger or the customer ledger is added and activated, including the location tracking consent information (real name confirmation Target customer) is generated (or extracted) location request information for identifying a location of a wireless terminal (eg, a mobile phone) corresponding to the wireless terminal number of the target name verification target customer to be transmitted to the communication company server on the communication network (1310)

Thereafter, the server receives the location information of the wireless terminal of the customer from the communication company server on the communication network (1315).

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When the location request information transmitted from the server is received by the communication company server, the location of the wireless terminal corresponding to the number of the wireless terminal (eg, a mobile phone) included in the location request information is checked, and the location information of the customer (Location information of the wireless terminal) is transmitted to the server.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of transmitting the location information of the customer to the server by identifying the location of one or more wireless terminals in the communication server on the communication network. Since there will be, a detailed description thereof will be omitted for convenience.

Here, according to a technical feature of tracking the location of the wireless terminal (for example, a mobile phone) in the communication server on the communication network, the location information of the customer transmitted from the communication company server and received at the server may be various. In FIG. 13, it is assumed that the location information of the customer (that is, location information of the wireless terminal) is information indicating the area range in which the wireless terminal is located.

Of course, if the customer's wireless terminal is powered off or located in a communication shadow area, the telecommunications company server transmits the location information on the last position where the wireless terminal has transmitted and received the signal to the server, or to the wireless terminal. Error information indicating that the location cannot be determined may be transmitted to the server.

After receiving the area range information where the wireless terminal is located, the area range where the wireless terminal of the customer is located in the server matches the area range of address information (at least one of home address, work address, and base information) of the customer information. In operation 1320.

For example, if the area range where the wireless terminal is located is 'A city B', the area range of address information (one or more of home address, work address, base information) of customer information registered by the customer is 'A city B' Make sure you include the phrase '. Of course, it is also possible to check whether the area range in which the wireless terminal of the customer is located is located in an area range adjacent to the area range of the address information of the customer information. For example, the area range of the address information (at least one of home address, work address, and base information) of the customer information is information including 'A city B ward', and the area range where the wireless terminal is located is 'A city B'. In the case of 'A city E district' or 'A city F district' adjacent to the 'sphere', the wireless terminal may be regarded as being located within an area range of address information of the customer information.

If the area range in which the wireless terminal is located and the area range of the address information of the customer information match or are determined to be adjacent to each other (1325), the server is located within the area range of the address information of the customer information or adjacent area. The real name identification agency information (adjacent agency information) located within the range is extracted (or generated) (1330).

Here, the process of extracting (or generating) the neighboring agency information may be extracted (or generated) from the real name verification agency information D / B which stores information about the real name verification agency.

The real name verification agency information may include at least one agency property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency. .

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement of the real name verification agency performing the real name verification.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

That is, if the location of the wireless terminal is found to match or be adjacent to the area range of the address information of the customer information (that is, the address information of the customer information is the area range including 'A city B district', the wireless terminal The location of the 'A city B district' or 'A city B district' adjacent to the 'A city B district' or 'A city F district'), confirming the agency location information of the real name verification agency information Thus, the location of the address information of the customer information is located close to or adjacent to (i.e., located in 'A city B district' or 'A city E district' or 'A city F' adjacent to the 'A city B district') Extract (or create) information about a real name verification agency (located in the old name). Of course, at least one adjacent agency may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits the real name identification guide information including the extracted agency information extracted from the server (or generated) to the terminal (1335).

In the above-described process, when the location of the wireless terminal of the customer is frequently checked and the customer is located in a pre-registered base (that is, at least one of address information (home address, work address, base information) of the customer information By accessing a location close to the area of the area), by indicating that the real name verification agency is located in the vicinity of the customer, it is possible for the customer to easily find the adjacent real name verification agency, and also to recognize the need for real name verification There is a number.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (1330), the server generates map information indicating the location of the neighboring agency (1340). ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, in operation 1345, the real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal.

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

On the other hand, after providing the real name verification guide information to the terminal of the real name confirmation target customer, even if the real name confirmation target customer does not perform the real name confirmation, the customer to confirm the real name for a predetermined time (for example, 24 hours, or a week During the exclusion of the real name verification target customer, a processor may be implemented to prevent receiving the real name identification guide information frequently. For example, if the real name confirmation guide information is provided to the terminal, the real name confirmation is recorded in the process of checking the real name confirmation target customer and recording the date and time of providing the real name confirmation guide information to the customer information of the customer for the terminal; Even if the target customer is confirmed, a process may be implemented to prevent location tracking if a predetermined time (for example, 24 hours or one week) has not passed.

14 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

More specifically, FIG. 14 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the non-real name combined account for non-face-to-face transaction, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time and from the position of the wireless terminal. When the real name verification agency is located within a predetermined distance, the process for providing information about the real name verification agency located within the predetermined distance to the client terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs And various implementations of the real name identification guide process by referring to and / or modifying this drawing. (For example, some steps may be omitted, or the order of implementation may be changed). However, the present invention includes all the implementation methods inferred above, and the technical features are only shown by the implementation method shown in FIG. This is not limited.

In the following figure 14, the client terminal on the real name confirmation guide system shown in FIG. 11 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 14, the non-real-time non-real-name compound account for the non-face-to-face transaction is set at the server at a preset time (eg, weekdays 9, 12, 15, 18:00) or at regular time intervals (eg, every 2 hours). Open and check the customer information agreed to the location tracking of the wireless terminal (1400). That is, according to the method of the present invention, the real name confirmation target customer to be provided with the real name confirmation guide information is confirmed.

According to an exemplary embodiment of the present invention, on the ledger system shown in FIG. 2, a real name verification additional ledger is added to the multi-account ledger or the customer ledger and is activated, and information about a customer including location tracking consent information is included. By confirming, it is possible to confirm that the customer is a subject of real name confirmation.

According to another embodiment of the present invention, the real name confirmation target customer information (that is, the real name confirmation vice president is added and activated, and stores information about the customer who has agreed to the location tracking for the wireless terminal) The real name verification target customer may be confirmed from a storage medium (eg, the real name verification target customer information D / B).

If the target customer to confirm the real name is confirmed in the server (1405), that is, the customer name is added to the multi-account ledger or the customer ledger is added and activated, including the location tracking consent information (real name confirmation Target customer) is generated (or extracted) location request information for identifying a location of a wireless terminal (eg, a mobile phone) corresponding to the wireless terminal number of the target name verification target customer to be transmitted to the communication company server on the communication network (1410).

Thereafter, the server receives the location information of the wireless terminal of the customer from the communication company server on the communication network (1415).

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When the location request information transmitted from the server is received by the communication company server, the location of the wireless terminal corresponding to the number of the wireless terminal (eg, a mobile phone) included in the location request information is checked, and the location information of the customer (Location information of the wireless terminal) is transmitted to the server.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of transmitting the location information of the customer to the server by identifying the location of one or more wireless terminals in the communication server on the communication network. Since there will be, a detailed description thereof will be omitted for convenience.

Here, according to a technical feature of tracking the location of the wireless terminal (for example, a mobile phone) in the communication server on the communication network, the location information of the customer transmitted from the communication company server and received at the server may be various. In FIG. 14, it is assumed that the location information of the customer (that is, location information of the wireless terminal) is information including latitude and longitude.

Of course, if the customer's wireless terminal is powered off or located in a communication shadow area, the telecommunications company server transmits the location information on the last position where the wireless terminal has transmitted and received the signal to the server, or to the wireless terminal. Error information indicating that the location cannot be determined may be transmitted to the server.

After receiving the location information (latitude and longitude information) of the customer's wireless terminal from the communication server in the server, it is checked whether the real name verification agency is located within a predetermined distance from the position of the wireless terminal (1420).

Here, the identification of the real name verification agency to compare the location and distance of the radio terminal can be confirmed by confirming the real name verification agency information D / B that stores the information on the real name verification agency.

The real name verification agency information may include at least one agency property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency. .

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

That is, the step 1420 of checking whether the real name verification agency is located within a predetermined distance from the location of the wireless terminal includes: receiving the location information of the received wireless terminal, that is, latitude / longitude information and the real name verification agency information. After calculating the distance by mutually computing the latitude / longitude information of the real name verification agency included in the engine location information, it is checked whether there is a real name verification agency located within a predetermined distance (for example, within 5 km). That is, it is determined whether the customer possessing the wireless terminal is a customer to be provided with real name identification guide information.

If it is confirmed that a real name verification agent exists within a predetermined distance (for example, within 5 km) from the location of the wireless terminal (1425), the real name located within a predetermined distance from the location of the checked wireless terminal in the server. The verification agency information (adjacent agency information) is extracted (or generated) (1430). Of course, at least one adjacent agency may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits the real name identification guide information including the extracted representative agency information to the terminal (1435).

In the above-described process, if a real name verification agency is located within a predetermined distance from the customer (that is, from the location of the wireless terminal) by frequently checking the location of the customer's wireless terminal, the real name verification agency near the customer. By knowing that the location is located, it is possible for customers to conveniently find the adjacent real name verification agency, and also to recognize the need for real name verification.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (1430), the server generates map information indicating the location of the neighboring agency (1440) ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal (1445).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

On the other hand, after providing the real name verification guide information to the terminal of the real name confirmation target customer, even if the real name confirmation target customer does not perform the real name confirmation, the customer to confirm the real name for a predetermined time (for example, 24 hours, or a week During the exclusion of the real name verification target customer, a processor may be implemented to prevent receiving the real name identification guide information frequently. For example, if the real name confirmation guide information is provided to the terminal, the real name confirmation is recorded in the process of checking the real name confirmation target customer in the customer information of the customer for the terminal and the date and time for providing the real name confirmation guide information (1400) Even if the target customer is confirmed, a process may be implemented to prevent location tracking if a predetermined time (for example, 24 hours or one week) has not passed.

15 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

In more detail, FIG. 15 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In a non-real name composite account for non-face-to-face transactions, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time, and the area where the wireless terminal is located. When it is determined whether the real name verification agency is located within a range or an adjacent area range, it is a process of providing information about the verified real name verification agency to the client terminal, which is common in the art. Those skilled in the art can refer to and / or modify this drawing 15 to Various implementation methods may be inferred (e.g., implementation steps in which some steps are omitted or the order is changed), but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. The technical features are not limited.

In the following figure 15, the client terminal on the real name confirmation guide system shown in FIG. 11 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 15, the non-real-time non-real-name compound account for the non-face-to-face transaction is set at the server at a preset time (eg, weekdays 9, 12, 15, 18:00) or at regular time intervals (eg, every 2 hours). The client establishes and confirms the customer information agreed to the location tracking of the wireless terminal (1500). That is, according to the method of the present invention, the real name confirmation target customer to be provided with the real name confirmation guide information is confirmed.

According to an exemplary embodiment of the present invention, on the ledger system shown in FIG. 2, a real name verification additional ledger is added to the multi-account ledger or the customer ledger and is activated, and information about a customer including location tracking consent information is included. By confirming, it is possible to confirm that the customer is a subject of real name confirmation.

According to another embodiment of the present invention, the real name confirmation target customer information (that is, the real name confirmation vice president is added and activated, and stores information about the customer who has agreed to the location tracking for the wireless terminal) The customer to be verified may be identified from a storage medium (eg, customer name D / B to be verified).

If the target customer to confirm the real name is confirmed in the server (1505), that is, the real name additional vice president is added to the compound account ledger or the customer ledger and is activated, and includes the location tracking consent information (real name confirmation) Target customer) is generated (or extracted) location request information for identifying a location of a wireless terminal (eg, a mobile phone) corresponding to the wireless terminal number of the target name verification target customer to be transmitted to the communication company server on the communication network (1510).

Thereafter, the server receives the location information of the wireless terminal of the customer from the communication company server on the communication network (1515).

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When the location request information transmitted from the server is received by the communication company server, the location of the wireless terminal corresponding to the number of the wireless terminal (eg, a mobile phone) included in the location request information is checked, and the location information of the customer (Location information of the wireless terminal) is transmitted to the server.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of transmitting the location information of the customer to the server by checking the location of one or more wireless terminals in the communication server on the communication network. Since it may be, a detailed description thereof will be omitted for convenience.

Here, according to a technical feature of tracking the location of the wireless terminal (for example, a mobile phone) in the communication server on the communication network, the location information of the customer transmitted from the communication company server and received at the server may be various. In FIG. 15, it is assumed that the location information of the customer (that is, location information of the wireless terminal) is information including latitude and longitude.

Of course, if the customer's wireless terminal is powered off or located in a communication shadow area, the telecommunications company server transmits the location information on the last position where the wireless terminal has transmitted and received the signal to the server, or to the wireless terminal. Error information indicating that the location cannot be determined may be transmitted to the server.

After receiving the location information (latitude and longitude information) of the customer's wireless terminal from the telecommunication company server, the server calculates an area range in which the wireless terminal of the customer is located based on the latitude and longitude information (1520).

After calculating the area range where the wireless terminal is located based on the latitude / longitude information, the server checks whether the real-name verification agent is located within the area range where the wireless terminal of the customer is located or within an adjacent area range (1525). ).

Here, the information on the real name verification agency located within the area range of the customer's wireless terminal, or within the adjacent area range, from the real name verification agency information D / B that stores information about the real name verification agency Can be extracted (or generated).

The real name verification agency information may include at least one agency property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency. .

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

That is, if the area range where the wireless terminal is located, for example, 'A city B ward', the server checks the agency location information in the real name verification agency information of the real name verification agency information D / B, and the 'A Verify that real-name verification agency information, including regional coverage information of City B's, exists. Or check whether there is real name verification agency information including the area range information of 'A city E district' or 'A city F district' adjacent to the 'A city B district'.

If there is a real-name verification agency located within the area range where the wireless terminal is located or within an adjacent area range (ie, 'A city B district', 'A city E district' or 'A city F district' When the verification agency is located (1530), the server extracts (or generates) the verified real name verification agency information (adjacent agency information) (1535). Of course, at least one adjacent agency may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits the real name identification guide information including the extracted neighboring agency information to the terminal (1540).

In the above-described process, if a real name verification agency exists within a region where the customer is located or within an adjacent region range by frequently checking the location of the wireless terminal of the customer, the real name verification agency is located near the customer. In this way, the customer can conveniently find an adjacent real name verification agency and recognize the necessity of real name verification.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) information on the neighboring agency (1535), the server generates map information indicating the location of the neighboring agency (1545). ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, in operation 1550, the real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal.

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

On the other hand, after providing the real name verification guide information to the terminal of the real name confirmation target customer, even if the real name confirmation target customer does not perform the real name confirmation, the customer to confirm the real name for a predetermined time (for example, 24 hours, or a week During the exclusion of the real name verification target customer, a processor may be implemented to prevent receiving the real name identification guide information frequently. For example, if the real name confirmation guide information is provided to the terminal, the real name confirmation is recorded in the process 1500 of recording the date and time of providing the real name confirmation guide information to the customer information of the customer for the terminal, and confirming the target customer to confirm the real name Even if the target customer is confirmed, a process may be implemented to prevent location tracking if a predetermined time (for example, 24 hours or one week) has not passed.

16 is a diagram illustrating a real name confirmation guide process according to another embodiment of the present invention.

More specifically, FIG. 16 is opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. 1, and is operated in a way of detaching and vice president through adding / deleting one or more additional ledgers. In a non-real name composite account for non-face-to-face transactions, only the customer who has agreed to the location tracking for the wireless terminal corresponding to the wireless terminal number of the customer, performs the location tracking for the wireless terminal from time to time, and the area where the wireless terminal is located. When it is determined whether the real name verification agency is located within a range or an adjacent area range, it is a process of providing information about the verified real name verification agency to the client terminal, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 16, and Various implementation methods may be inferred (for example, some steps may be omitted or the order may be changed), but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 16, the client terminal on the real name confirmation guide system shown in FIG. 11 is referred to as "terminal" for convenience, and the real name confirmation guide server is referred to as "server" for convenience.

Referring to FIG. 16, the non-real-time non-real-name compound account for the non-face-to-face transaction is set at the server at a preset time (eg, weekdays 9, 12, 15, 18:00) or at regular time intervals (eg, every 2 hours). Open and confirm the customer information agreed to the location tracking of the wireless terminal (1600). That is, according to the method of the present invention, the real name confirmation target customer to be provided with the real name confirmation guide information is confirmed.

According to an exemplary embodiment of the present invention, on the ledger system shown in FIG. 2, a real name verification additional ledger is added to the multi-account ledger or the customer ledger and is activated, and information about a customer including location tracking consent information is included. By confirming, it is possible to confirm that the customer is a subject of real name confirmation.

According to another embodiment of the present invention, the real name confirmation target customer information (that is, the real name confirmation vice president is added and activated, and stores information about the customer who has agreed to the location tracking for the wireless terminal) The real name verification target customer may be confirmed from a storage medium (eg, the real name verification target customer information D / B).

If the target customer to confirm the real name is confirmed on the server (1605), that is, the customer is added to the compound account ledger or customer ledger, and the active name, including the location tracking consent information (real name confirmation) Target customer) is generated (or extracted) location request information for identifying a location of a wireless terminal (eg, a mobile phone) corresponding to the wireless terminal number of the target name verification target customer to be transmitted to the communication company server on the communication network (1610).

Thereafter, the server receives the location information of the wireless terminal of the customer from the communication company server on the communication network (1615).

When the customer opens the non-real name composite account for the non-face-to-face transaction, if the customer agrees on the location tracking of the wireless terminal (eg, a mobile phone), the communication server on the communication network may also store the location tracking consent information. When the location request information transmitted from the server is received by the communication company server, the location of the wireless terminal corresponding to the number of the wireless terminal (eg, a mobile phone) included in the location request information is checked, and the location information of the customer (Location information of the wireless terminal) is transmitted to the server.

Those skilled in the art to which the present invention pertains can easily infer the technical characteristics of transmitting the location information of the customer to the server by identifying the location of one or more wireless terminals in the communication server on the communication network. Since there will be, a detailed description thereof will be omitted for convenience.

Here, according to a technical feature of tracking the location of the wireless terminal (for example, a mobile phone) in the communication server on the communication network, the location information of the customer transmitted from the communication company server and received at the server may be various. In FIG. 16, it is assumed that the location information of the customer (that is, location information of the wireless terminal) is information indicating the area range where the wireless terminal is located.

Of course, if the customer's wireless terminal is powered off or located in a communication shadow area, the telecommunications company server transmits the location information on the last position where the wireless terminal has transmitted and received the signal to the server, or to the wireless terminal. Error information indicating that the location cannot be determined may be transmitted to the server.

After receiving the area range information where the wireless terminal is located, the server checks whether the real name verification agency is located within the area range where the wireless terminal of the customer is located or within an adjacent area range (1620).

Here, the information on the real name verification agency located within the area range of the customer's wireless terminal, or within the adjacent area range, from the real name verification agency information D / B that stores information about the real name verification agency Can be extracted (or generated).

The real name verification agency information may include at least one agency property information, real name verification terminal information, agency terminal information, agency address information, agency location information, real name verification performance information for each real name verification agency. .

The agency attribute information is an attribute of the real name verification agency, that is, an agency that confirms the real name by checking the identification card and the customer through the real name verification agent, or is the ATM verifying the real name through the identification card and the face recognition of the customer. Information that includes attributes such as an ATM that verifies real name through identification and customer fingerprints, or an agency that verifies real name through some other means.

The real name verification terminal information is information on the real name verification terminal provided in the real name verification agency, that is, information on a wired / wireless terminal device or ATM provided in the gas station, convenience store, telecommunications agency, or the like. The real name confirmation terminal information may be information stored in association with the type, manufacturer, operating system, communication method, etc. of the real name confirmation terminal.

The agency information terminal is a real name verification agent (or ATM manager) that can receive information on the real name verification agency terminal provided in the real name verification agency, that is, information about the customer who opened the non-real name composite account Is terminal information that can be used. The agency terminal information may be information including a wired / wireless telephone number, a fax number, an email address, and the like. Of course, if there is no need to receive information about the customer in the real name verification agency, the agency terminal information may not be included.

The agency address information is the location information of the real name verification agency. If the agency performs the real name verification through the ATM, it may be the location information of the ATM management point. In addition, the agency address information may be information updated according to the change of the address management system.

The agency location information is latitude and longitude information calculated based on location information of the real name verification agency, that is, the agency address information. On the other hand, according to the implementation, the agency location information may be a specific area range calculated based on the agency address information. For example, when the agency address is 'A-B B-gu C-dong D', the agency location information may be 'B-gu'. Further, the information may be location information including a region range adjacent to the B district, for example, a regional district facing the B district.

The real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency.

Of course, the real name verification agency information may further include financial account information for the real name verification agency to process the settlement according to the real name verification results. In addition, when the financial account for the real name verification agency (or the financial account for the real name verification agent) is a non-face-to-face transaction complex account according to the present invention, the real name verification agency information, information stored in the composite account It may be.

That is, if the area range where the wireless terminal is located, for example, 'A city B ward', the server checks the agency location information in the real name verification agency information of the real name verification agency information D / B, and the 'A Verify that real-name verification agency information, including regional coverage information of City B's, exists. Or check whether there is real name verification agency information including the area range information of 'A city E district' or 'A city F district' adjacent to the 'A city B district'.

If there is a real-name verification agency located within the area range where the wireless terminal is located or within an adjacent area range (ie, 'A city B district', 'A city E district' or 'A city F district' When the verification agency is located (1625), the server extracts (or generates) the verified real name verification agency information (adjacent agency information) (1630). Of course, at least one adjacent agency may be extracted (or generated) in the process of extracting (or generating) the neighboring agency information.

Thereafter, the server transmits real name identification guide information including the extracted agency information extracted from the server (or generated) to the terminal (1635).

In the above-described process, if a real name verification agency exists within a region where the customer is located or within an adjacent region range by frequently checking the location of the wireless terminal of the customer, the real name verification agency is located near the customer. In this way, the customer can conveniently find an adjacent real name verification agency and recognize the necessity of real name verification.

The server may generate and provide map information to guide the location of the adjacent agency in more detail.

Referring to the process of providing the map information to the terminal, after the process of extracting (or generating) the neighboring agency information (1630), the server generates map information indicating the location of the neighboring agency (1640). ). That is, based on latitude / longitude information of the neighboring agency, a map including the neighboring agency and its surrounding information is generated, and map information displaying the location of the neighboring agency on the map is generated.

Thereafter, the real name verification guide information including the neighboring agency information and / or the map information is transmitted to the terminal (1645).

In this way, the customer who receives the map information indicating the location of the adjacent agency through the terminal can more easily identify the location of the real name verification agency.

On the other hand, after providing the real name verification guide information to the terminal of the real name confirmation target customer, even if the real name confirmation target customer does not perform the real name confirmation, the customer to confirm the real name for a predetermined time (for example, 24 hours, or a week During the exclusion of the real name verification target customer, a processor may be implemented to prevent receiving the real name identification guide information frequently. For example, if the real name confirmation guide information is provided to the terminal, the real name confirmation in the process 1600 of recording the date and time for providing the real name confirmation guide information in the customer information of the customer for the terminal, and confirming the target name verification target customer Even if the target customer is confirmed, a process may be implemented to prevent location tracking if a predetermined time (for example, 24 hours or one week) has not passed.

FIG. 17 is a diagram illustrating a multi-account management system for processing real-name verification of a non-real-name compound account through the real name verification additional director 1774 according to an embodiment of the present invention.

In more detail, FIG. 17 is opened on the multiple account ledger 1177 system shown in FIG. 2 through the financial account opening system shown in FIG. 1 to add / delete one or more additional ledgers 1774. (1774) In the non-real name composite account for non-face-to-face transactions operated in a detachable manner, the real name verification request information including at least one real name confirmation target customer information, the compound account information and the real name confirmation information in the preset real name confirmation terminal (1780) (Or real name verification approval information), the real name verification for the real name verification request information, or after approval of the real name verification approval information, and added to the multi-account ledger (1771) to the customer ledger (1772) The non-real name compound for non-face-to-face transactions for which the non-real name compound account for non-face-to-face transactions is removed by deleting the additional name ledger (1774) As shown in the left operating system configuration, those of ordinary skill in the art to which the present invention pertains, the real name verification of the non-real name composite account through the real name verification vice president (1774) by referring to and / or modified in this figure 17 Various implementation methods (e.g., some components may be omitted, subdivided, or combined) may be inferred for the configuration of a multi-account operating system for processing the present invention, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown in FIG. 17.

For example, an automated teller machine with a real name verification terminal 1780 requesting real name verification for the non-real name composite account is provided in the financial institution (or another financial institution or affiliated branch affiliated with the financial institution) shown in FIG. Automatic Teller Machine (ATM), Financial Dispenser including one or more Cash Dispenser (CD), Wired terminal connected to wired communication network, Wireless terminal connected to wireless communication network is not limited to the intention of those skilled in the art A communication terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network affiliated with the financial institution, a mobile communication network affiliated with the financial institution, and a wireless VoIP network. It may further include a call terminal (not shown) connected to the same wireless telephone network, the present invention is the non-real name composite account through all the inferred terminal device For bayida place apparently it found that it is possible to request a confirmation blindness.

In addition, in FIG. 17, one or more additional ledgers 1774 which are added / deleted to the multiple account ledger 1771 and the customer ledger 1772, and the multiple account ledger 1771 to the customer ledger 1772 corresponding to the composite account. 2 is illustrated in the ledger system shown in FIG. 2 for convenience, but the present invention is not limited thereto. The additional ledger 1774 may include the compound account ledger 1731 and the customer ledger 1772. It is clear that it is possible to be equipped in the ledger system linked to the existing financial sector financial system.

In addition, in this drawing 17, the ledger system is a real name verification additional director (1774) shown in the drawing 2, the real name verification for the composite account (for example, the law and co-decree on the financial real name transaction and confidentiality (Presidential Decree 15744) It is considered to have been deleted through the real name verification), and it is apparent that the present invention is not limited thereto.

Hereinafter, a non-real name compound account for a non-face-to-face transaction opened on the compound account ledger 1177 system shown in FIG. 2 through the financial account opening system shown in FIG. 1 on the compound account operating system shown in FIG. When the real name confirmation terminal 1780 transmits the real name verification request information (or real name verification approval information) including one or more of the real name verification target customer information, the compound account information and the real name verification information, After processing real name verification or approving the real name confirmation approval information, the non-real name compound account for the non-face-to-face transaction is deleted by deleting the real name verification additional ledger 1774 added to the multiple account ledger 1771 to the customer ledger 1772. The component corresponding to one or more means and / or functional configurations for removing the limit restrictions and transaction restrictions according to the non-real name of the "real name verification processing server 1700" for convenience. It is called.

Referring to this figure 17 according to the embodiment of the present invention, the composite account operating system, through the financial account opening system shown in Figure 1 through a non-face-to-face non-real-name compound account opened in the face-to-face verification of the customer And a real name confirmation terminal 1780 including one or more wired terminals provided in a real name verification agency (eg, a convenience store, a telecommunications agency) or a wireless terminal used by the real name verification agent of the real name verification agency. The real name verification terminal 1780 is connected to a real name verification processing server 1700 provided on the multi-account management system through a communication network including at least one wired or wireless communication network.

According to an embodiment of the present invention, the real name verification agency (or real name verification agent) is the real name verification processing server through one or more real name verification terminal 1780 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network 1 (1700), and enter (or select) the real name verification approval information for the real name verification for the non-real name compound account through one or more real name verification interface provided by the real name verification processing server 1700, It is preferable to transmit from the terminal 1780 to the real name verification processing server 1700 provided on the composite account operating system through a communication network.

Here, the wired terminal is a general term for all terminal devices connected to a TCP / IP based communication network, and is connected to a desktop computer, a notebook, a communication network connected to the TCP / IP based communication network. It is preferable to include at least one connected home appliance terminal (eg, a refrigerator, a set-top box, etc.), a kiosk connected to a communication network, and the like.

The wireless terminal connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) / WCDMA / GSM-based mobile communication network, all terminal devices connected to a high-speed downlink packet access (HSDPA) -based wireless communication network, and IEEE. As a generic term for all terminal devices connected to the 802.16x-based portable Internet and all terminal devices connected to the IEEE 802.11x-based WLAN, a personal communication system (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network; Global System for Mobile communications (GSM) terminals, Personal Digital Cellular (PDC) terminals, Personal Handyphone System (PHS) terminals, Personal Digital Assistants (PDAs), Smart Phones, Telematics ( Or a wireless data communication terminal connected to an HSDPA-based wireless data network, or the IEEE 802.16x-based portable device. The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

According to another embodiment of the present invention, the composite account operating system, the non-face-to-face non-face-to-face verification of the customer who opened the non-real name composite account for non-face-to-face transactions through the financial account opening system shown in FIG. Automatic Teller Machine (ATM) and Cash Dispenser provided at an institution (or other financial institution affiliated with the financial institution) or a real name verification agency (eg, a gas station, etc.) affiliated with the financial institution. A real name verification terminal 1780 including a financial automation device including one or more CDs, wherein the real name verification terminal 1780 is configured to include a predetermined financial network through a communication network. A communication channel is connected to a real name verification processing server 1700 provided on the multi-account management system.

The real name verification request customer requesting the real name verification is connected to the real name verification processing server 1700 through the real name verification terminal 1780 (financial automated device) connected to the financial network, and the real name verification processing server 1700 Inputting (or selecting) the real name verification request information for the real name verification for the non-real name composite account through one or more real name verification interfaces provided by the user), the real name identification terminal 1780 is located on the multi-account management system through a communication network. It may be transmitted to the real name verification processing server 1700 provided.

Or a real name verification request customer requesting the real name verification is connected to the real name verification processing server 1700 through the real name verification terminal 1780 (a financial automatic device) connected to the financial network, and the real name verification processing server ( Inputting (or selecting) the real name verification request information for the real name verification for the non-real name composite account through one or more real name verification interface provided by the 1700, the real name verification request from the real name verification terminal 1780 (Financial Automation Device) Approving the real name verification for the information may be transmitted to the real name verification processing server 1700 provided on the multi-account management system through the communication network.

Of course, if the real name confirmation terminal 1780 (financial automated teller machine) is provided with a function configuration for outputting the real name verification interface for inputting (or selecting) the real name verification request information for the real name verification for the non-real name composite account, The real name verification request customer inputs (or selects) real name verification request information for real name verification for the non-real name composite account through the real name verification interface outputted from the real name verification terminal 1780 (financial automated teller machine), and The real name verification terminal 1780 may be transmitted to the real name verification processing server 1700 provided on the composite account operating system through a communication network.

The real name verification request customer inputs (or selects) the real name verification request information, transmits the real name verification request information to the real name verification processing server 1700, or processes the real name verification for the real name verification request information A description of the real name verification terminal 1780 (Financial Automated Device) for transmitting confirmation approval information to the real name verification processing server 1700 will be described in detail later.

In addition, the real name verification processing server 1700 connected to the real name verification terminal 1780 is a multi-account Internet banking server, a wireless banking server, a tele banking server, a TV according to the characteristics of the real name verification terminal 1780 and the communication network characteristics Any one of the banking server, or preferably comprises a separate web server for real name verification for the non-real name compound account.

In addition, the communication network connecting the real name verification terminal 1780 and the real name verification processing server 1700, CDMA / WCDMA / GSM based mobile communication network, HSDPA based wireless according to the type of wireless communication network connected to the real name verification terminal 1780 The data communication network, the IEEE 802.16x-based portable Internet, the IEEE 802.11x-based wireless LAN, or any one of the proposed wireless communication networks, including the future, it is preferable to include.

In addition, the real name verification terminal 1780 outputs one or more real name verification interface provided by the real name verification processing server 1700, and inputs (or selects) one or more information through the user interface to the real name verification processing server A function configuration (for example, a browser program and communication function or a program and communication function to communicate with the real name verification processing server 1700, etc.) for transmission to the 1700 is preferably provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the real name verification terminal 1780 corresponding to one or more wired terminal or wireless terminal or financial automation device. Description is omitted for convenience.

The real name verification processing server 1700 provided on the multi-account management system according to the present invention is a generic term for a multi-account management system side component connected to the real name verification terminal 1780 through a communication network, and includes one or more servers (or Device) or one or more programs recorded on a recording medium provided in a server (or device), whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification processing server 1700 is a web server provided with a financial institution to which the real name verification terminal 1780 is connected, a program provided in the web server, or the web It is preferable to include a server (or device) on the ledger system accessible through the server or accessible through the web server, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the real name verification processing server 1700 is connected to the real name verification agency (or an automated teller machine or real name verification agent or real name verification request customer) through the real name verification terminal 1780 The real name verification processing server 1700 or a program provided in the real name verification processing server 1700, or a ledger system accessible through the real name verification processing server 1700, or the real name verification processing server 1700 It is preferred to include a server (or device) on the ledger system accessible through), whereby the invention is not limited.

According to another exemplary embodiment of the present invention, the real name verification processing server 1700 is the real name verification agency (or financial automation device or real name verification agent or real name verification request customer) through the real name verification terminal 1780 A non-face-to-face transaction server to connect to, a program included in the non-face-to-face transaction server, a ledger system accessible through the non-face-to-face transaction server, or a server on the ledger system accessible through the non-face-to-face transaction server (or Device), by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the real name verification processing server 1700 is an information registration server connectable through the automated teller machine or a call terminal, a program provided in the information registration server, or the information. It is preferable to include a server (or device) on the ledger system accessible through a registration server or accessible through the information registration server, whereby the present invention is not limited thereto.

According to the embodiment of the present invention, the real name verification processing server 1700 is characterized in that it comprises an interface unit 1705 for connecting and managing a communication channel with the real name verification terminal 1780 through the communication network.

According to an embodiment of the present invention, when the real name confirmation terminal 1780 is a wired terminal connected to a wired communication network, the interface unit 1705 is based on the protocol stack defined in the wired communication network. It is preferable to provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in the communication program provided in the real name verification terminal 1780, and the communication channel.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the real name verification terminal 1780, the interface unit 1705 is based on the TCP / IP protocol. ) And a communication channel, and a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTPP protocol defined in the browser program.

Alternatively, when the real name verification terminal 1780 is provided with a communication program (eg, a non-face-to-face banking program) provided by the real name verification processing server 1700, the interface unit 1705 is based on the TCP / IP protocol. It connects the real name checking terminal 1780 and the 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 real name confirmation terminal 1780 is a wireless terminal connected to a wireless communication network, the interface unit 1705 is based on the protocol stack defined in the wireless communication network. ) And a communication channel, and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the real name checking terminal 1780.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the real name confirmation terminal 1780, the interface unit 1705 is based on the CDMA protocol. A communication channel for connecting to a communication channel (1780) and transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. Provide an interface.

Alternatively, when the real name confirmation terminal 1780 is provided with a communication program (eg, VM-based banking program or IC chip-based banking program) provided by the real name verification processing server 1700, the interface unit 1705. Connects a communication channel with the real name identification terminal 1780 based on the CDMA protocol, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the real name verification terminal 1780 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1705 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication path with the call terminal (not shown) based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the real name confirmation terminal 1780 is a financial automatic device connected to a financial network, the interface unit 1705 is based on the protocol stack defined in the financial network. It is preferable to connect a communication channel 1780 and to provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the real name checking terminal 1780.

Referring to FIG. 17, the real name verification processing server 1700 is opened through the ledger operating interface 1770 provided in the ledger system shown in FIG. 2 through the financial account opening system shown in FIG. 1. A ledger management unit 1710 (or ledger management means) that manages the customer ledger 1772, the composite account ledger 1177, and one or more additional ledgers 1774 corresponding to a non-real name compound account for face-to-face transactions according to the financial institution policy. It is characterized by comprising.

According to an embodiment of the present invention, the ledger management unit 1710 may include one or more face-to-face authentication means (eg, face-to-face authentication agency) or non-face-to-face authentication means (eg, face-to-face) provided in the financial institution. The face-to-face / non-face-to-face real-name for the non-real-name non-real-name compound account opened through the financial account opening system shown in FIG. Upon confirming and confirming the real name of the non-real name composite account for the non-real name state, deleting the real name verification additional ledger 1774 from the additional ledger 1774 through the ledger operating interface 1770 (eg, additional service management). Deactivation of the real name verification vice president (1774) through the ledger (1773), limits and various trading system according to the unidentified real name of the non-real name compound account for non-face-to-face transactions It is preferable to turn off.

Alternatively, the ledger manager 1710 may set up a financial account system shown in FIG. 1 according to the policy of the financial institution (eg, a policy for providing additional services for each customer situation stage according to age change / employment / marriage / birth of the customer). Check the one or more managed ledgers of the customer ledger 1772, the composite account ledger 1177 and the one or more vice ledgers 1774 constituting the non-real name composite account for non-face-to-face transactions opened through When the ledger information included in the target ledger is corrected (or updated), or when the confirmed managed ledger is the vice ledger 1774, the confirmed managed ledger 1774 is converted into the combined account ledger 1177 to the customer. It is preferable to add / delete from the ledger 1772 (eg, activate / deactivate the managed subordinate ledger 1774 through the additional service management ledger 1773).

Referring to FIG. 17, when the real name verification terminal 1780 connects a communication channel through the interface unit 1705, the real name verification processing server 1700 may verify the real name for the non-real name composite account. Real name verification request information (or real name) including at least one real name confirmation target customer information, multiple account information and real name confirmation information for the real name confirmation of the non-real name compound account through the real name confirmation additional ledger 1774 in the real name confirmation terminal 1780 Generate (or extract) one or more real name verification interfaces for inputting (or selecting) confirmation authorization information) to be transmitted to the real name verification processing server 1700, and generating (or extracting) in connection with the interface unit 1705. Interface providing unit 1715 (or interface providing means) for providing the real name verification interface to the real name verification terminal 1780, and the real name verification terminal 1780 Real name verification request information (or real name verification) including one or more real name verification target customer information, compound account information and real name verification information for the real name verification of the non-real name composite account through the real name verification interface (1774) through the real name verification interface When the information is input (or selected) and transmitted, the information receiving unit receiving the real name verification request information (or real name verification approval information) transmitted from the real name verification terminal 1780 in association with the interface unit 1705 ( 1720 (or information receiving means) is characterized in that it is made.

The interface providing unit 1715 connects the real name verification processing server 1700 to the real name verification processing server 1700 after the real name verification terminal 1780 connects the communication channel with the real name verification processing server 1700 through the interface unit 1705. When requesting a real name confirmation interface for real name verification for a non-real name compound account, the real name confirmation target customer information and the compound name for the real name confirmation of the non-real name compound account through the real name verification vice-chairman 1774 in the real name confirmation terminal 1780 One or more real name verification interface for inputting (or selecting) real name verification request information (or real name verification approval information) including one or more account information and real name verification information to be transmitted to the real name verification processing server 1700 through the communication network. Generate or extract from a database (not shown), and interoperate with the interface unit 1705 to generate (or extract) the real name verification interface. Characterized in that it provides a face to the real name confirmation terminal 1780 via the communication network.

According to an embodiment of the present invention, when the real name confirmation terminal 1780 is a wired terminal connected to a wired communication network, the interface providing unit 1715 may be a browser program or a communication program provided in the real name confirmation terminal 1780. It is preferable to generate (or extract) a real name verification interface that can be provided, and provide the user interface generated (or extracted) to the real name verification terminal 1780 through the interface unit 1705.

According to another embodiment of the present invention, when the real name confirmation terminal 1780 is a wireless terminal connected to a wireless communication network, the interface providing unit 1715 is a browser program or communication program provided in the real name confirmation terminal 1780 It is preferable to generate (or extract) the real name verification interface that can be provided as the user interface, and provide the generated (or extracted) user interface to the real name verification terminal 1780 through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the real name confirmation terminal 1780 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1715 is the call terminal (not shown). Create (or extract) a real name identification interface (eg, a voicement based user interface or a graphic user interface that can be output through a screen output means provided in the call terminal) that can be provided, and through the interface unit 1705. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown).

According to another embodiment of the present invention, the real name verification request information (or real name verification approval information) is input (or selected) to the real name verification terminal 1780 and transmitted to the real name verification processing server 1700 through the communication network. When a program having at least one user interface is provided, the interface providing unit 1715 for generating (or extracting) the real name verification interface and providing it to the real name verification terminal 1780 may be omitted. The invention is not limited.

The real name verification terminal 1780 inputs (or selects) the real name verification request information (or real name verification approval information) for the real name verification of the non-real name composite account through the real name verification additional ledger 1774 through the real name verification interface. The information receiving unit 1720 is connected with the interface unit 1705 to provide real name verification request information (or real name verification approval information) including one or more real name verification target customer information, complex account information, and real name verification information. It is characterized by receiving.

Here, the customer information is customer identification information for identifying a customer whose real name for the non-real name compound account for the non-face-to-face transaction is confirmed through the real name verification request information (or real name verification approval information). It is preferable to match the identification information (or unique information) of any one of the customer ledger 1772 information provided in the ledger system.

According to the method of the present invention, the customer information, the member ID information of the customer, Customer Information (Customer Information File (CIF)), it is preferable that the one or more comprises a social security number (or social security number and customer name), the real name When the confirmation request information (or real name confirmation approval information) is received from the affiliate server, the customer information preferably comprises at least one member ID information, social security number (or social security number and customer name) registered in the affiliate.

Alternatively, the composite account information is account identification information for identifying a composite account for which the real name of the non-real name composite account for the non-face-to-face transaction is confirmed through the real name verification request information (or real name verification approval information). The information is preferably matched with any one piece of identification information (eg, account number, account alias) of the composite account ledger 1177 information provided in the ledger system.

The real name verification information, the real name verification agency (or the automated teller machine or real name verification agent) face-to-face the customer for the non-real name complex account for non-face-to-face transactions opened through the financial account opening system shown in Figure 1 It is preferable to include at least one real name verification agency authentication information, real name verification agent authentication information, real name verification terminal (1780) information for requesting the real name verification in a face-to-face or to verify that the real name verification.

In addition, the real name confirmation information is obtained by the real name verification agency (or automated teller machine or real name verification agent), or obtained through the real name verification terminal 1780 identification card image of the customer to confirm the real name, customer face Preferably, the image comprises one or more images, a customer fingerprint image, and a seal (or signature) image.

On the other hand, the information receiving unit 1720, when the real name verification terminal 1780 is a financial automated device for real name verification, to receive device information, financial automatic device operating institution (or operator) information for the financial automated device It may be. This is for the purpose of performing authentication through the device information and the financial institution operating institution (or operator) information on the received actual clear financial automatic teller machine.

Here, the device information on the automated teller machine and the teller machine (or operator) information may be stored in the real name verification vice president (1774) when the composite account is opened, or a separate director for managing the automated teller machine (not shown). It can be stored in the real name confirmation agency information D / B.

Referring to FIG. 17, when the real name verification request information (or real name verification approval information) is received through the information receiver 1720, the real name verification processing server 1700 receives the received real name verification request information (or real name). A validity confirming unit 1725 (or validity) that reads the verification approval information to confirm whether the real name verification request information (or the real name verification approval information) satisfies the validity for the real name verification for the non-face-to-face non-real name compound account. Identification means).

According to an embodiment of the present invention, when the real name verification request information (or real name verification approval information) is encrypted according to an encryption / decryption scheme, the validity verification unit 1725 performs the real name verification request according to the encryption / decryption scheme. By decrypting the information (or real name verification approval information), it is preferable to confirm whether the real name verification request information (or real name verification approval information) satisfies the validity for the real name verification for the non-face-to-face non-real name composite account.

Alternatively, when an electronic signature is attached to the real name verification request information (or real name verification approval information), the validity verification unit 1725 checks the electronic signature attached to the real name verification request information (or real name verification approval information). Preferably, the real name verification request information (or real name verification approval information) is to confirm whether the validity for real name verification for the non-real name compound account for non-face-to-face transactions.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted real name verification request information (or real name verification approval information), and the real name verification request information (or real name verification). Since you will be familiar with the technical features of confirming the digital signature attached to the approval information, the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the validity check for the real name verification for the non-real name composite account for the non-face-to-face transaction is matched with the real name verification request information (or real name verification approval information) to the ledger system associated with the multi-account management system. It is preferable to include checking whether one or more ledgers are already registered.

For example, the validity confirmation for the real name verification for the non-face-to-face non-real name compound account, the account information included in the real name verification request information (or real name confirmation approval information) is the same on the ledger system linked with the present account management system. To check whether it matches any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound account ledger 1771 It is preferable to include, and when the ledger matching the real name verification request information (or real name verification approval information) registered in the ledger system, the real name verification request information (or real name verification approval information) is non-face-to-face It is desirable to verify that the validity of the real name verification for the non-real name compound account for the transaction is satisfied.

According to an embodiment of the present invention, when the real name verification request information (or real name verification approval information) includes the non-face-to-face authentication information of the customer (or the real name verification agency or the automated teller machine or the real name verification agent), the non-face-to-face Validation for real name verification for a non-real name compound account for transaction further preferably comprises authenticating the non-face-to-face authentication information.

On the other hand, if the real name verification terminal 1780 is a financial automated device for real name verification, the validity may be confirmed through the device information on the received financial automated device, financial institution operation institution (or operator) information.

Here, the device information on the automated teller machine and the teller machine (or operator) information may be stored in the real name verification vice president (1774) when the composite account is opened, or a separate director for managing the automated teller machine (not shown). It can be stored in the real name confirmation agency information D / B.

Referring to FIG. 17, the real name verification processing server 1700 receives the real name verification request information (or real name verification approval information) through the information receiving unit 1720, and the validity verification unit 1725 receives the real name verification request information. When the validity for the real name verification for the non-face-to-face non-real name compound account is confirmed, the additional ledger (1774) confirmation unit for confirming the deletion target name verification additional ledger (1774) in connection with the ledger system shown in FIG. 1730 (or additional ledger 1774 checking means) is characterized in that it further comprises.

The real name verification request information (or real name verification approval information) is received through the information receiving unit 1720, and validity of the received real name verification request information (or real name verification approval information) by the validity verification unit 1725 If the authentication, the additional ledger 1774 confirmation unit 1730 is connected to the ledger system shown in Figure 2 through the financial account opening system shown in Figure 1 through the composite account ledger (1771) to customer ledger ( It is characterized in that to confirm the deletion of the name of the additional director (1774) to be deleted in 1772.

Referring to FIG. 17, the real name verification processing server 1700 compares the real name identification information included in the real name verification request information, that is, the identification image of the customer who is the subject of the real name verification with the customer face image, and displays the customer face image. Facial recognition processing unit 1735 (or facial recognition processing means) for confirming that the real name confirmation by confirming whether it matches the customer face image registered in the identification card, and the real name confirmation information included in the real name confirmation request information, namely the target name confirmation target A fingerprint recognition processing unit 1740 (or fingerprint recognition processing means) which compares the identification card image of the customer with the customer fingerprint image and confirms that the customer fingerprint image matches the customer fingerprint image registered on the identification card to confirm the real name is further. It can be made, including.

When receiving the real name verification request information through the information receiving unit 1720, the facial recognition processor 1735, the identification image of the real name identification information included in the real name verification request information and the facial recognition technology of the customer face image Compare each other to see if they are the same person.

Alternatively, when receiving the real name verification request information through the information receiving unit 1720, the fingerprint recognition processing unit 1740, fingerprint identification card image and the customer fingerprint image of the real name identification information included in the real name verification request information Based on the recognition technology, the comparison is performed to check whether the fingerprint is the same.

To this end, the real name verification agency is provided with a device for obtaining the real name identification information (for example, scanner, camera, fingerprint acquisition device, etc.) to obtain the real name identification information, and through the real name confirmation terminal 1780 The real name verification request information including the real name verification information may be transmitted to the real name verification processing server 1700.

Of course, when the real name verification process is performed through the real name verification agent in the real name verification agency, the real name verification agent confirms the real name by checking the customer face image and the customer registered in the identification card of the real name verification request customer in a face-to-face manner. Since it is possible to approve, the real name confirmation to confirm the real name verification processing server 1700 by comparing the identification image and the customer facial image (or by comparing the identification image and the customer fingerprint image) to confirm the real name confirmation It is not necessary to transmit the request information to the real name verification processing server 1700. Therefore, the real name verification information included in the real name confirmation approval information is to leave the data that was the basis for the real name verification agent when performing the real name verification.

Or when the real name verification request customer requests real name verification through the automated teller machine, the automated teller machine is configured to acquire the real name confirming information, that is, a component for obtaining the identification card image and the customer face image. It is preferable to have a configuration for acquiring (for example, an image acquisition unit) and a configuration for acquiring the customer fingerprint image (for example, a fingerprint acquisition unit).

Of course, if the automated teller machine acquires the ID card image of the customer and the customer face image, and confirms that the customer face image registered in the ID card image and the acquired customer face image coincide with the real name confirmation, the financial The automated device may transmit the real name verification approval information to the real name verification processing server 1700. Or acquiring the identification image and the customer fingerprint image, and confirming that the registered customer fingerprint image and the acquired customer fingerprint image coincide with the identification image to approve the real name verification, the automatic teller machine confirms the real name verification approval information. May be transmitted to the real name verification processing server 1700.

That is, in the real name confirmation agency, the real name confirmation agent confirms the real name confirmation by checking the face image and the face of the customer registered in the identification card of the customer in a face-to-face manner, and confirms the real name confirmation approval information on the real name confirmation processing server ( 1700) or by acquiring and comparing the identification image of the customer with the customer face image (or customer fingerprint image) in the automated teller machine and confirming whether they are the same person (or whether they are the same fingerprint) to approve real name verification and real name. When the confirmation approval information is transmitted to the real name verification processing server 1700, the real name verification processing server 1700 does not need to have the face recognition processing unit 1735 and the fingerprint recognition processing unit 1740.

Acquire the ID card image, the customer face image, the customer fingerprint image, etc. of the customer, and transmit the real name verification request information to the real name verification processing server 1700, or after confirming the real name verification, the real name verification approval information and the real name verification processing server The automatic teller machine 1700 will be described in detail later with reference to FIG. 18.

Referring to FIG. 17, the real name verification processing server 1700 receives real name confirmation approval information through the information receiving unit 1720, and validates the validity through the validity checking unit 1725, and the additional ledger 1774. When the deletion target real name verification additional ledger 1774 is confirmed by the verification unit 1730, the deletion target real name verification additional ledger 1774 from the multi-account ledger 1771 to the customer ledger 1772 in association with the ledger system. ) Or the real name confirmation request information is received through the information receiving unit 1720, the validity is authenticated through the validity checking unit 1725, and the deletion is performed by the additional ledger 1774 checking unit 1730. After the target real name verification additional ledger 1774 is confirmed, and the real name verification is approved through the face recognition processing unit 1735 or the fingerprint recognition processing unit 1740, the multi-account ledger 1177 to the customer member in association with the ledger system And a real name verification processing unit 1745 (or real name verification processing means) for deleting the deletion target real name verification supplementary ledger 1774 from chapter 1772.

The real name confirmation approval information is received through the information receiving unit 1720, and the validity is authenticated through the validity checking unit 1725, and the deletion target real name verification additional director (1730) is confirmed by the additional ledger 1774. 1774), the real name confirmation processing unit 1745 deletes the real name confirmation additional ledger 1774 from the multi-account ledger (1771) to the customer ledger 1772 in association with the ledger system, thereby confirming the real name Limits set by the additional ledger 1774 to any one of the multiple account ledger 1177 (or any of the required ledger, reserve ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, and microloan ledger included in the composite account) And abolishing the trading restrictions.

Alternatively, real name verification request information is received through the information receiving unit 1720, and validity is authenticated through the validity verification unit 1725, and the deletion target real name verification is added by the additional ledger 1774 and the verification unit 1730. After the ledger 1774 is confirmed, and if the real name confirmation is approved through the face recognition processor 1735 or the fingerprint recognition processor 1740, the real name confirmation processor 1745 is linked with the ledger system ledger 1771 By deleting the target name verification additional ledger 1774 to delete from the customer ledger 1772, the compound account ledger (1771) (or the required ledger included in the composite account, earning ceremony by the real name verification additional ledger 1774) Restrictions and transaction restrictions set in any one of the ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger).

According to the embodiment of the present invention, the real name verification processing unit 1745 deactivates the at least one additional target ledger 1774 to be deleted through the additional service management ledger 1773 provided in the ledger system, thereby making the additional ledger 1774 It is preferable to process so as to be deleted in the multiple account ledger (1771) to customer ledger (1772).

Referring to FIG. 17, when the real name verification additional ledger 1774 is deleted by the real name verification processing unit 1745, the real name verification additional director 1774 is linked with the ledger system. Log information storage unit for processing the additional ledger (1774) log information corresponding to the deletion of the real name verification additional ledger (1774) information stored in the additional service log D / B (not shown) provided in the ledger system (1750) (or log information storage means), wherein the additional service log D / B (not shown) is the additional service management ledger 1773, or the additional service management ledger 1773 Or a separate database associated with the supplementary service management ledger 1773.

If the real name verification additional ledger 1774 is deleted by the real name verification processing unit 1745, the log information storage unit 1750 checks the deleted real name verification additional ledger 1774 in association with the ledger system. And generating additional ledger 1774 log information corresponding to the deletion of the real name verification additional ledger 1774 in association with the ledger system and processing the stored information in the additional service log D / B provided in the ledger system. It is done.

Referring to FIG. 17, when the real name verification additional ledger 1774 is deleted by the real name verification processing unit 1745, the real name verification processing server 1700 updates the real name verification performance information for the real name verification agency. The real name verification agency information management unit 1755 (or the real name verification agency information management means), and the real name verification processing result information (or the real name verification error result information), the real name verification terminal 1780 or the client terminal (not shown) It may further comprise an information providing unit 1760 (or information providing means) for transmitting to the side.

When the real name verification additional director 1774 is deleted by the real name verification processing unit 1745, the real name verification agency information management unit 1755 stores a storage medium for storing information on the real name verification agency, for example, a real name verification agency. The real name verification performance information of the real name verification agency stored in the institution information D / B is updated.

Here, the real name verification result information is information recording the real name verification results performed through the real name verification agency. The real name verification performance information is updated and stored as the real name verification agency performs the real name verification in order to process the settlement according to the real name verification agency. When the real name verification is performed by the real name verification agency, the reward may be compensated according to the result of the real name verification, which causes the real name verification agency to actively attract the real name verification to the customer who opened the non-real name composite account. It is to.

To this end, the real name verification processing server 1700 may further include a real name verification settlement processing unit 1765 (or real name verification settlement processing means) for processing the settlement according to the results of the real name verification performed by the real name verification agency. This will be explained in detail later.

The multi-account management system may include a predetermined real name verification agency information D / B for linking and storing the real name verification agency information or a predetermined name for operating the real name verification agency information D / B. It is preferable to interwork with a DBMS or a D / B server provided with the real name verification agency information D / B.

In addition, according to the implementation, when the validity verification unit 1725 receives the real name verification request information (or real name verification approval information) to confirm that the validity for the real name verification, the real name verification request information (or real name) In the real name verification information included in the confirmation approval information, one or more of the real name verification agency authentication information, real name verification agent authentication information, real name confirmation terminal (1780) information through the real name verification agency information management unit (1755) It may be checked whether the validity is satisfied by comparing the real name verification agency authentication information, the real name verification agent authentication information, and the real name verification terminal 1780 information stored in the real name verification agency information D / B.

When the real name verification additional ledger 1774 is deleted by the real name verification processing unit 1745, the information providing unit 1760 associates the real name verification processing result information with the interface unit 1705 to the real name verification terminal ( 1780) or the client terminal (not shown). Of course, when an error occurs in the process of processing the real name confirmation, the information providing unit 1760 in connection with the interface unit 1705 and the real name confirmation error result information in the real name confirmation terminal 1780 or a client terminal (not shown) Omit).

Meanwhile, the real name verification processing server 1700 may be a non-face-to-face transaction server that processes a transaction when the client terminal (not shown) requests a non-face-to-face transaction in the multi-account management system. In this case, the real name verification processing server 1700 further includes a transaction processing unit (or transaction processing means) (not shown) for processing a non-face-to-face transaction corresponding to the transaction request information transmitted from the client terminal (not shown). You may.

When the real name verification performance information for the real name verification agency is stored in the real name verification agency information D / B by the real name verification agency information management unit 1755, the real name verification settlement processing unit 1765 is executed. Settlement based on real name verification results.

The real name verification settlement processing unit 1765 deposits a predetermined amount of compensation into a financial account of a real name verification agency (or a real name verification agent or an ATM manager) that has performed the real name verification each time the real name verification is performed, or The amount of compensation proportional to the number of real name verifications performed at a given time period (e.g., every month) for the period (e.g. one month) of the real name verification agency (or real name verification agent, or ATM manager) When a deposit is made to a financial account, or when a certain number of real name verifications have been performed (e.g., 10 times), a real name verification agency (or a real name verification agent) has performed the real name verification on a preset compensation amount corresponding to the corresponding number (10 times). Or when the customer who has verified his / her real name through the real name verification agency conducts a transaction through the compound account. A specified amount of compensation may process payment to the financial account of the real name check agent (or agents blindness check, ATM or manager) who performs the real name check.

18 is a diagram showing the functional configuration of the automated teller machine 1800 for real name verification according to an embodiment of the present invention.

In more detail, FIG. 18 is opened on the multiple account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In a non-real name multi-account refund account for non-face-to-face transactions, when the real-name verification request customer requests real-name verification, the real-name verification request information including at least one of real-name verification target customer information, compound account information, and real-name verification information is shown in FIG. Cash Dispenser (Cash Dispenser) provided in the financial institution (or other financial institution or affiliated branch affiliated with the financial institution) and / or public place equipped with the function of transmitting to the illustrated real name verification processing server 1890 side. And / or relates to the functional configuration of the automated teller machine 1800 including at least one automatic teller machine (ATM), Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for the automated teller machine 1800 for real name verification according to the present invention. The present invention includes all implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

In addition, although the automated teller machine 1800 shown in FIG. 18 performs a function of a conventional general automated teller machine 1800 for non-face-to-face financial transactions, the non-real-name compound account for non-face-to-face transactions shown in FIG. It is one of the automated teller machine 1800, that is, the real name confirmation terminal is further provided with a function to enable the established customer to confirm the real name.

Referring to FIG. 18, the automated teller machine 1800 recognizes an MS card and / or an IC card and acquires predetermined information, and a card reader unit 1810, and an ID image acquisition unit for acquiring an image of the ID of the customer. 1815 and a screen output unit 1820 for outputting a processing screen according to each financial transaction step and / or real name verification step provided through the automated teller machine 1800, and each financial transaction step and / or real name confirmation A key input unit 1825 receiving input of predetermined information, an image obtaining unit 1830 for capturing a face of the customer, and acquiring a face image of the customer, and acquiring a fingerprint image by recognizing the fingerprint of the customer A fingerprint acquisition unit 1835, a communication unit 1840 which communicates with the server (real name verification processing server 1890, etc.) through a predetermined financial network (communication network), and the automated teller machine 1800 processes the financial transaction. At least one for A memory unit for storing financial transaction processing information on the image, predetermined financial transaction history information after the financial transaction, facial image information obtained by photographing the face of the customer, and fingerprint image information obtained by recognizing the fingerprint of the customer A cash payment unit 1850 for paying cash according to each financial transaction to the customer, a power supply unit 1870 for supplying power to the automated teller machine 1800, at least one terminal function unit 1845, and It includes a control unit 1875 for controlling each of the functional components provided in the automated teller machine 1800.

The control unit 1875 controls the overall operation of the automated teller machine 1800 according to the function configuration, manages the flow of information or data between each component, and the automated teller machine 1800 for real name confirmation according to the present invention. At least one processor and execution memory (eg, registers) and predetermined hardware including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. It is characterized in that it comprises a bus (BUS) for inputting and outputting data and at least one or more electronic circuits (or integrated circuits) for this, and also to perform the functions specific to the software automated financial device 1800 A predetermined load that is loaded from the predetermined recording medium provided in the execution memory into the execution memory and processed by the processor Characterized in that it comprises a program routine (Routine) and / or program data. In particular, the controller 1875 includes a predetermined operating system and / or a terminal control program routine that manages the automated teller machine 1800 after the automated teller machine 1800 is booted by software. . 18 is a diagram illustrating, for convenience, at least one or more program components provided in the automated teller machine 1800 in the control unit 1875 for checking the real name according to the present invention.

The card reader unit 1810 provides an interface between the card and the automated teller machine 1800 to read at least one or more information or data included in the card for at least one or more financial transactions. / MS Reader interface to interface the MS (Magnetic Stripe) card based on the IEC / 7810 standard with the automated teller machine (1800), and / or contact integrated circuit (IC) based on the ISO / IEC 7816 standard for processing financial transactions The contact IC reader unit for interfacing the card with the automated teller machine 1800 and / or the contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the automated teller machine 1800. The contact IC reader unit and / or the non-contact IC reader unit may correspond to the IC card reader provided in the automated teller machine 1800.

The MS reader unit is a card reader unit 1810 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card, the predetermined information or data is characterized in that to interface with the automated teller machine 1800.

The contact IC reader unit is a card reader unit 1810 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) included in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the automation device (1800).

The non-contact IC reader unit is a card reader unit 1810 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, supplies power to the IC chip of the IC card through the antenna, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the automation device (1800).

The MS card, the contact IC card, and the contactless IC card may be a non-face-to-face linked card issued to a customer who has opened the non-real name composite account for the face-to-face transaction.

The identification image acquisition unit 1815 acquires an identification image of the customer. Here, the identification image obtained by the identification image acquisition unit 1815 may acquire an identification image including at least one of a front image of the identification card or a rear image of the identification card.

The screen output unit 1820 is previously defined to be output by a control unit 1875 to a predetermined screen output unit including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the control unit 1800. Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 1825 to information or data predefined to be output on the screen by the automated teller machine 1800. , Information stored or generated by a component included in the automated teller machine 1800, information transmitted / received through the communication unit 1840, and data corresponding to a predetermined calculation result performed by the teller machine 1800. It is done by

According to the exemplary embodiment of the present invention, the screen output unit 1820 may output the processing screen and / or the interface screen according to the real name verification step for real name verification according to the present invention to a predetermined screen output device.

The key input unit 1825 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key, and is provided to the key input device in a specific input mode and / or an operation mode of the automated teller machine 1800 controlled by the controller 1875. When predetermined information (or signal) is input from the key button of the controller, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1875. The controller 1175 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the automated teller machine 1800, and / or matches the key event. Characterized in that for obtaining a command to execute a predetermined function is defined. The key input unit 1825 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the automated teller machine 1800.

According to an embodiment of the present invention, a key input device interlocking with the key input unit 1825 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the exemplary embodiment of the present invention, the key input unit 1825 preferably receives at least one or more information from a predetermined key input device according to the real name verification step for real name verification according to the present invention.

The image acquisition unit 1830 may include at least one or more still image capturing apparatus for capturing still images or a motion image capturing apparatus for capturing a video by the controller 1875 in the automated teller machine 1800. It is characterized by providing an interface between a predetermined photographing apparatus for reading a still image or a moving picture, a site on which the customer or the automated teller machine 1800 including the customer is installed, and the financial teller machine 1800.

Here, the image acquisition unit 1830 is connected to an image management server (not shown) connected to a predetermined image photographing apparatus through a predetermined financial network (communication network) in the automated teller machine 1800 (not shown). ) Can be provided with the field image information, but will be omitted for convenience.

In addition, the still image photographing apparatus is a device for capturing a still image or an image corresponding to a moving object or a person or a non-moving object or a person. The image sensor may be a CCD (Charge Coupled Device) or a CMOS (Complementary Metal-Oxide). It is preferable to mean a still image or an image capturing apparatus similar to a digital camera using a device including at least one device, and all the apparatuses for capturing an image or still image provided according to the intention and purpose of those skilled in the art Include.

In addition, the video recording apparatus preferably means a video recording apparatus of a type similar to CCTV (Closed Circuit Television), digital camcorder, etc. using a device including at least one CCD or CMOS used in the still image recording apparatus, In addition, it includes all devices for shooting a video.

Here, the image acquisition unit 1830 may be used to acquire a face image of the customer, wherein the image acquisition unit 1830 is associated with the control unit 1875 and the screen output unit 1820. To perform a predetermined procedure for acquiring the customer facial image. For example, an interface (eg, eyes, nose, etc.) outputs an image (customer facial image) acquired by the image acquisition unit 1830 to the screen output unit 1820 and acquires a customer facial image at an appropriate position. By outputting the position of the mouth on the screen output unit 1820 and guiding the same, a process of obtaining the best customer face image may be configured.

The fingerprint acquisition unit 1835 provides an interface between the at least one fingerprint recognition device for recognizing the fingerprint of the customer by the controller 1875 in the automated teller machine 1800 and the automated teller machine 1800. Characterized in that.

Here, the fingerprint acquisition unit 1835 is a means for acquiring the authentication information of the customer (that is, if the customer has previously registered the fingerprint of the customer as one authentication method for the transaction, the previously registered fingerprint must be recognized but the transaction is made). Although the present invention may be used as a means for obtaining the customer fingerprint image, the present invention may be used as a means for acquiring the customer fingerprint image and matching with the fingerprint image of the customer registered on the identification card (ie, one means for real name verification). To explain.

The communication unit 1840 is to provide a communication means for performing a transaction function (for example, a transaction function interoperating with the financial automated device 1800 and the external system of each financial system) provided in the automated teller machine 1800. It is characterized in that the transaction with the server (eg, real name processing server 1890, non-face transaction server, etc.) provided on the financial system through a financial network (for example, party network, or CD / ATM network) in hardware. Cable communication unit 1840 providing communication and / or Cable communication unit 1840 providing transactional communication with an external communication device through a predetermined cable communication port (eg, RS-232c, Universal Serial Bus (USB), etc.) and / Or at least one short-range wireless communication including infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, Wi-Fi, and ultra wide band system (UWB). Muscle through It may comprise a re-communication device and a transaction local communication section (1840) for providing communications, and may be made, including the communication protocol and the communication application for providing a communication transaction in software.

According to an exemplary embodiment of the present invention, the communication unit 1840 connects a communication channel for real name verification with a real name verification processing server 1890 on the financial system via a predetermined financial network through the network communication unit 1840. It is preferable.

The memory unit 1865 is a storage medium storing at least one or more information or data required for the control unit 1875 to perform a predetermined control function. The memory unit 1865 is a hardware electrically erasable and programmable read only memory (EEPROM), FM. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and a predetermined program routine and program required for the control unit 1875 to perform a predetermined control function in software Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 1865 preferably stores at least one financial transaction processing information used by the automated teller machine 1800 to process a financial transaction, and / or the financial transaction. After the processing, it is preferable to store the financial transaction history information corresponding to the financial transaction.

In addition, the memory unit 1865 may store facial image information and / or fingerprint image information of a customer acquired by the automated teller machine 1800 for real name verification according to the present invention.

The cash payment unit 1850 is a financial transaction result corresponding to a card read through the card reader unit 1810 from a predetermined financial system through the communication unit 1840, a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, a cash (or cash requested by the financial transaction customer) corresponding to the cash payment command (or cash payment approval result) is provided in the automated teller machine 1800. The cash storage unit 1855 is read out and paid to the customer through a predetermined cash discharge unit 1860.

The terminal function unit 1845 is a component provided in the automated teller machine 1800 in addition to the elements shown in FIG. 18 and / or a component provided in the automated teller machine 1800 for a predetermined purpose or role. Representatively, various additions according to the intention of those skilled in the art, such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric recognition device for biometrics. This includes the functional configuration. Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 1845 provided according to the characteristics of the automated teller machine 1800, and thus a detailed description thereof will be omitted.

Referring to FIG. 18, the controller 1755 checks a mode for confirming whether an operation mode of the automated teller machine 1800 is an operation mode for real name verification in order to process the real name verification for the real name verification request of the customer. A validity authentication unit 1877 which authenticates the validity of the financial means included in the MS card or the IC card by using the PIN 1876 and the card reader unit 1810; and the MS card or the IC card. If the validity of the financial means provided in the authentication is authenticated, the card information reading unit 1878 for reading the financial instrument information from the MS card or IC card and the identification card image obtained through the identification image acquisition unit 1815 ID identification information reading unit 1879 for reading the customer information, customer facial image or customer fingerprint image, and the customer face image and the image acquisition unit 1830 read by the identification information reading unit 1879 A facial recognition processing unit 188 for comparing and confirming a face image of a customer and confirming whether the same person is the same person and acquiring the fingerprint image read by the identification card information reader 1879 and the fingerprint acquiring unit 1835. A fingerprint recognition processing unit 1801 that compares and confirms a fingerprint image of a customer and confirms whether the fingerprint is the same, and confirms the real name verification request information including one or more of the customer name, compound account information, and the real name verification information. An information generation unit 1882 for generating real name verification approval information, and the generated real name verification request information (or real name verification approval information) through the communication unit 1840 to the real name verification processing server 1890, and From the real name verification processing server 1890, real name verification processing result information (or real name verification error information) corresponding to the real name verification request information (or real name verification approval information) is obtained. And an information processor 1883 configured to receive and output the received real name verification result information (or real name error information) through the screen output unit 1820.

Here, the financial means preferably means a credit card or a check card or a cash card provided in the MS card or the IC card, and other cards may be further added according to the intention and purpose of those skilled in the art.

In addition, the financial means information preferably means information including at least one or more of the credit card or check card or cash card or customer information provided in the MS card or IC card, the intention and purpose of those skilled in the art You can also add other information as needed.

In addition, the controller 1175 inputs information for requesting a real name (real name verification target customer information, compound account information, etc.) or information for financial transactions from an interface screen output through the screen output unit 1820. It may be made by including a further information input unit 1884, in this case, the information generation unit 1882 is the information for the real name confirmation request entered through the information input unit 1884 (name information for customer confirmation, compound account information It is preferable to generate real name verification request information (or real name verification approval information) including, etc., and the information processing unit 1883 is the generated real name verification request information (or real name verification approval information) through the communication unit 1840 ) Is transmitted to the real name verification processing server 1890, and the real name corresponding to the real name verification request information (or real name verification approval information) from the real name verification processing server 1890 Confirmation process receives the result information (real name or make error information), and it is preferable to output through the display output section 1820, the real name confirmation process result (real name or make error results).

The automated teller machine 1800 includes a plurality of operation modes such as a real name verification mode for real name verification, or a cash withdrawal mode using a cash card (or a debit card or a credit card) according to the present invention. 1876 is characterized in that whether the operation mode of the automated teller machine 1800 is a real name verification mode for requesting (or processing) a real name verification according to the present invention.

According to an exemplary embodiment of the present invention, it is preferable that the automatic teller machine 1800 is switched to the real name verification mode by selecting a mode for real name verification according to the present invention among a plurality of operation modes on a basic screen.

According to another exemplary embodiment of the present invention, the automatic teller machine 1800 is inserted into the card reader unit 1810 associated with the non-face-to-face transaction complex account, when the non-face-to-face transaction is made, the non-face-to-face When it is confirmed that the real name verification ledger is added and activated in the transaction account, the screen output unit 1820 informs that the real name verification is necessary, and the customer requests the real name verification according to the guidance. It may be switched to the real name verification mode.

The validity authentication unit 1877 is connected to the key input unit 1825 when a predetermined IC card is inserted into the IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader unit 1810. Interworking with a predetermined PIN, and performing a validity authentication procedure to secure confidentiality, authentication, integrity, and nonrepudiation of the IC card (and / or financial means provided on the IC card) based on the entered PIN When the validity of the IC card (and / or financial means provided in the IC card) is authenticated by the validity authentication unit 1877, the real name verification procedure for real name verification according to the present invention Is performed normally.

In addition, when a predetermined MS card is inserted into the MS card reader corresponding to the MS reader of the card reader 1810, the validity authentication unit 1877 inputs a predetermined PIN in cooperation with the key input unit 1825. And performing a validity authentication procedure to secure confidentiality, authentication, integrity, and nonrepudiation of the MS card (and / or financial means provided in the MS card) based on the entered PIN. When the validity of the MS card (and / or financial means provided in the MS card) is authenticated by the validity authentication unit 1877, the real name verification process for real name verification according to the present invention is further included. .

According to one embodiment of the invention, the validity authentication unit 1877 is a predetermined MS card or IC card is inserted into the card reader unit 1810, the MS card or IC card (and / or MS card ( It is preferable to perform a validity authentication procedure for the financial means) provided in the IC card).

According to an embodiment of the present invention, the validity authentication unit 1877 is a predetermined MS card or IC card is inserted into the card reader unit 1810, the operation mode of the automated teller machine 1800 checks the real name The MS card or the IC card is inserted into the card reader unit 1810 after the operation of the automatic teller machine 1800 is switched to the mode or the operating mode of the automated teller machine 1800 is switched to the real name confirmation mode. It is preferable to perform a validity authentication procedure for the IC card (and / or the financial means provided in the MS card (IC card)).

When the card information reading unit 1878 validates the MS card or the IC card (and / or the financial means provided in the MS card (IC card)) by the validity authentication unit 1877, the MS card. Or read the financial means information provided in the IC card, and the read financial means information is provided to the information generating unit 1882.

The identification card information reader 1879 reads the customer information, the customer face image, or the customer fingerprint image from the identification card image acquired through the identification card image acquisition unit 1815. That is, when it is confirmed that the mode verification unit 1876 has been switched to the real name verification mode for the real name confirmation, the identification card is inserted into the identification image acquisition unit 1815, and the front or rear image of the identification card is obtained. The ID card reader 1879 reads customer information (eg, name, social security number, ID card issue date, etc.) from the front image or the back image of the ID card. In addition, the face image or fingerprint image of the customer is read from the front image or the back image of the identification card. Here, the customer information may be text-based information.

The customer information, the face image information, and the fingerprint image information read by the identification card information reader 1879 are provided to the information generator 1882. Alternatively, the face image information and the fingerprint image information read by the ID card information reader 1879 may be provided to the face recognition processor 188 or the fingerprint recognition processor 1882, respectively.

On the other hand, when the automated teller machine 1800 operates in a real name verification mode, the validity authentication unit 1877 reads the customer information and the identification card information reader 1879 read from the card information reader 1878 The validity can be authenticated by comparing the exported customer information and confirming whether the customer is the same customer. Alternatively, the validity may be authenticated by comparing the composite account information or the customer information input through the key input unit 1825 with the customer information read by the ID card information reader 1879.

The face recognition processing unit 188 may compare the customer face image read by the ID card reader 1879 with the customer face image acquired by the image obtaining unit 1830 and confirm whether the same person is the same person to approve the real name. do. That is, it is confirmed that the mode verification unit 1876 has been switched to the real name verification mode, an identification image is obtained through the identification image acquisition unit 1815, and the identification information reading unit 1879 registers the identification card. When the customer's face image is read, the face recognition processor 188 recognizes the same person using a face recognition technology by using the face recognition technology to recognize the customer face image acquired through the image acquisition unit 1830 and the ID card. If it is confirmed that the customer face image acquired through the image acquisition unit 1830 and the customer face image registered in the identification card are the same person, the face recognition processor 188 approves the real name confirmation, Real name confirmation approval information is provided to the information generation unit 1882.

Regarding the facial recognition technology for checking whether the customer face image registered in the identification card and the customer face image obtained through the image acquisition unit 1830 is the same person, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, it will be readily understood that a detailed description thereof will be omitted.

The fingerprint recognition processor 188 compares the customer fingerprint image read by the identification card information reader 1879 with the customer fingerprint image acquired by the fingerprint acquirer 1835, confirms whether the fingerprint is the same, and confirms the real name verification. do. That is, it is confirmed that the mode verification unit 1876 has been switched to the real name verification mode, an identification image is obtained through the identification image acquisition unit 1815, and the identification information reading unit 1879 registers the identification card. When the customer fingerprint image is read, the fingerprint recognition unit 1801 recognizes the same fingerprint by using the fingerprint recognition technology and the customer fingerprint image acquired through the fingerprint acquisition unit 1835 and the identification card. If it is confirmed that the customer fingerprint image acquired through the fingerprint acquisition unit 1835 and the customer fingerprint image registered in the identification card are the same fingerprint, the fingerprint recognition processing unit 188 approves the actual identification, The real name confirmation approval information is provided to the information generation unit 1882.

Fingerprint recognition technology for comparing the customer fingerprint image registered in the identification card and the customer fingerprint image acquired through the fingerprint acquisition unit 1835 to check whether the same fingerprint, the person having ordinary knowledge in the technical field to which the present invention belongs If so, it will be readily understood that a detailed description thereof will be omitted.

Here, the financial automation device 1800 does not directly perform the process of approving the real name verification, collects basic information for real name verification, generates real name verification request information, and transmits it to the real name verification processing server 1890. When the real name verification is approved by the real name verification processing server 1890, the face recognition processing unit 188 8 and the fingerprint recognition processing unit 188 are not necessarily required.

In addition, the real name verification processing server 1890 is provided with a function for reading identification card information (customer information, customer face image, customer fingerprint image) from the identification card image received from the automated teller machine 1800, In this case, the identification card information reading unit 1879 is also not necessary.

The information generation unit 1882 generates real name verification request information (or real name verification approval information) including one or more real name verification target customer information, compound account information, and real name verification information.

The customer information is customer identification information for identifying a customer whose real name for the non-face-to-face non-real name composite account is confirmed, wherein the customer information is any one of customer ledger information provided in the ledger system shown in FIG. It is preferable to match with identification information (or unique information).

According to an embodiment of the present invention, the customer information preferably comprises at least one member ID information, a customer information file (CIF), and a social security number (or social security number and customer name) of the customer.

In addition, the customer information may be information read by the card information reader 1878, information read by the identification card information reader 1879, or information input by a customer through the key input unit 1825. .

The composite account information is account identification information for identifying a composite account for which the real name of the non-face-to-face non-real name composite account is confirmed, and the composite account information is a composite account ledger provided in the ledger system shown in FIG. It is preferable to match any one identification information (for example, account number, account alias) of the information.

In addition, the composite account information may be information read by the card information reader or information input by a customer through the key input unit 1825.

The real name verification information, the base information for requesting the real name verification to the real name verification processing server 1890, that is, real name verification agency authentication information, real name verification terminal information, and at least one identification card image acquisition unit 1815 ), The image acquisition unit 1830, the fingerprint image acquisition unit 1835, the identification card image (or customer face image or customer fingerprint image read out from the identification information reader 1879), customer face image, customer fingerprint image Information may include one or more.

Alternatively, the real name verification information, the real name verification agency authentication information for authenticating that the real name verification is approved by the real name verification processing server 1890, the real name verification terminal information, one or more identification card image acquisition unit 1815, At least one ID card image (or a customer face image or a customer fingerprint image read from the identification card information reader 1879), the customer face image, and the customer fingerprint image acquired by the image acquirer 1830 and the fingerprint acquirer 1835. Information may be included.

Meanwhile, the real name verification request information (or real name verification approval information) generated by the information generating unit 1882 may include address information of the automated teller machine 1800 corresponding to the automated teller machine 1800 and / or the teller machine. (1800) ID information and / or the automated teller machine (1800) manager (or operator) information, etc. may be included, and such information may be extracted from the financial transaction processing information stored in the memory unit 1865. Can be. The customer face image and the customer fingerprint image may be obtained from the image acquisition unit 1830 or the fingerprint acquisition unit 1835 and extracted from the face image information or the fingerprint image information stored in the memory unit 1865.

The information processing unit 1883 transmits the generated real name verification request information (or real name verification approval information) to the real name verification processing server 1890 through the communication unit 1840, and from the real name verification processing server 1890. Waiting for the real name verification processing result information (or real name verification error information) corresponding to the real name verification request information (or real name verification approval information) is received.

If the real name verification processing server 1890 approves the real name verification in response to the real name verification request information, and transmits the real name verification processing result information to the automated teller machine 1800, the automatic teller machine 1800. The information processing unit 1883 outputs the received real name verification processing result through the screen output unit 1820.

Alternatively, in response to the real name verification request information, when the real name verification error occurs in the real name verification processing server 1890 and transmits the real name verification error information to the financial teller 1800, the automated teller machine 1800 The information processing unit 1883 outputs the received real name confirmation error result through the screen output unit 1820.

On the other hand, in response to the real name verification approval information, after the real name verification processing in the real name verification processing server 1890, and transmits the real name verification processing result information to the automated teller machine 1800, the automated teller machine 1800 The information processing unit 1883 outputs the received real name verification processing result through the screen output unit 1820.

Alternatively, in response to the real name verification approval information, when the real name verification process occurs in the real name verification processing server 1890 and transmits the real name verification error information to the financial device 1800, the automatic teller machine ( The information processing unit 1883 of 1800 outputs the received real name confirmation error result through the screen output unit 1820.

On the other hand, when the customer requests a predetermined financial transaction through the automated teller machine 1800, the information generating unit 1882 and the information processing unit 1883 generates a predetermined financial transaction request information to the real name verification processing server ( 1890 (or non-face-to-face transaction server), and receive financial transaction response information including predetermined financial transaction detail information from the real name verification processing server 1890 (or non-face-to-face transaction server) to receive the financial transaction history information. It may be stored in the memory unit 1865 for a predetermined period of time to provide an additional service, or may be output through the screen output unit 1820. In this case, the real name verification processing server 1890 (or non-face-to-face transaction server) If it is confirmed that the composite account requesting a financial transaction in the non-real name state, the financial transaction response information may further include real name verification guide information, the information processing (1883) may be guided to the check by outputting the real name to the client confirm the blind guidance information to said display output unit (1820). In this case, if the customer who confirms the real name confirmation guide information makes a request for real name verification, the real name verification mode may be switched.

The controller 1175 provides the card information to the real name verification processing server 1890 through the communication processor to check (or receive) account information corresponding to the card information, and read the account information. The account information can be verified whether the non-real name account for non-face-to-face transactions with the limitation of limit and transaction restriction is added by adding the real name verification ledger.

In addition, the control unit 1875 provides the card information to the real name verification processing server 1890 through the communication processing unit, is associated with the card information from the real name verification processing server 1890, and the real name verification assistant director This may be added to receive account information corresponding to a non-real name account for non-face-to-face transactions in which limit restrictions and transaction restrictions are set.

In addition, when the card information is account information, the control unit 1875 reads the account information and verifies whether the account information is a non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger. can do.

In addition, the control unit 1875, through the communication unit 1840 the device information and the financial institution 1800 operating institution (or operator) information for the real name verification financial automated device 1800 through the communication unit 1840 (1890).

19 is a view showing a real name verification process for a non-real name compound account according to an embodiment of the present invention.

In more detail, FIG. 19 is a diagram for processing real-name verification of a non-face-to-face transaction composite account opened on the composite account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. As a process of approving the real name verification and processing the real name verification through the identification card image (or the customer face image read out from the ID card image) and the customer face image obtained by the automated teller machine shown in 18, Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 19 to implement various methods for the real name identification process for the non-real name compound account (e.g., some steps are omitted or broken down). Or combined practice methods), but the present invention includes all practice methods inferred above. And the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the automated teller machine (real name confirmation terminal) on the composite account operating system shown in FIG.

Referring to FIG. 19, the terminal accesses the server through a financial network, connects a communication channel, and transmits real name verification request information to the server (1900). After receiving the real name verification request information, the validity of the real name verification for the non-real name composite account is confirmed through the real name verification request information (1905).

According to the embodiment of the present invention, when the real name verification request information is encrypted according to an encryption / decryption scheme, the server decrypts the real name verification request information according to the encryption / decryption scheme, so that the real name verification request information is displayed. It is desirable to verify that the validity of the real name for the non-real name compound account for non-face-to-face transactions is satisfied.

Alternatively, when the electronic signature is attached to the real name verification request information, the server checks the electronic signature attached to the real name verification request information, so that the real name verification request information is the real name of the non-real name complex account for the non-face-to-face transaction It is desirable to verify that the validity for the verification is met.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted real name verification request information, and technical features for confirming an electronic signature attached to the real name verification request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, non-face-to-face transaction validity verification using the real name verification request information may be performed to determine whether one or more ledgers matching the real name verification request information are registered in the ledger system associated with the multi-account management system. It is preferable to include what is included.

For example, the non-face-to-face transaction validity verification through the real name verification request information, the account information contained in the real name verification request information is a request that is included in the compound account ledger (or compound account ledger) on the ledger system linked to the compound account operating system Ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger) any one of the internal ledger) is preferably made, and the ledger system When a matching ledger is registered, it is preferable to confirm whether the real name verification request information satisfies the validity for real name verification for the non-real name compound account for non-face-to-face transactions.

According to an embodiment of the present invention, when the real name verification request information includes non-face-to-face authentication information of the customer (or real name verification agency, or real name verification agent), real name verification of the non-real name composite account for the non-face-to-face transaction is performed. Validation for the preferably further comprises authenticating the non-face-to-face authentication information.

On the other hand, it may be checked whether the validity is satisfied through the device information, the operator (or operator) information received from the terminal.

If the real name verification validity for the non-real name composite account is not authenticated (1910), the server generates real name verification error information and transmits it to the terminal (1915).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (1910), the real name verification approval process for comparing and confirming the customer face image from the real name verification information included in the real name verification request information is performed (1920).

That is, the identification name image is compared with the identification image image (or the customer facial image read out from the identification image image) among the real name identification information included in the real name identification request information, and the customer face image obtained from the terminal is compared and confirmed to be the same person. I approve.

If it is determined that the same person is not the same person when comparing the customer face image registered in the identification card with the customer face image acquired in the terminal, that is, the real name confirmation is not approved (1925), the server confirms the real name error information. Generate and transmit to the terminal (1915)

On the other hand, when comparing the customer face image registered in the identification card and the customer face image acquired from the terminal, if it is determined that the same person, that is, if the real name confirmation is approved (1925), the server checks the name verification request information Read and confirm the deleted real name verification additional ledger added to the compound account ledger or the customer ledger corresponding to the non-real name composite account from the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. (1930).

If the deletion target real name confirmation additional ledger added to the compound account ledger or the customer ledger is not confirmed (1935), since the non-real name composite account has already been verified, the real name verification process shown in FIG. 19 ends. Of course, the non-real name composite account may transmit information indicating that the real name has been confirmed to the terminal to notify the customer.

On the other hand, when the deletion target real name verification additional ledger added to the multiple account ledger or the customer ledger is confirmed (1935), the server deletes the deletion target real name verification additional ledger from the composite account ledger or the customer ledger ( 1940), the restrictions on the non-real name of the non-real name composite account for non-face-to-face transactions and the restriction on the transaction are removed.

According to an embodiment of the present invention, the server may be configured to delete the additional ledger by the multiple account ledger or the customer ledger by deactivating at least one additional target ledger to be deleted through the additional service management ledger provided in the ledger system. desirable.

Thereafter, the server generates the real name verification processing result information and transmits it to the terminal (1945).

In operation 1950, the server generates additional ledger log information corresponding to the deletion of the real name confirmation additional ledger information in association with the ledger system and stores the additional ledger log information in the additional service log D / B provided in the ledger system. .

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

20 is a diagram illustrating a real name verification process for a non-real name composite account according to another exemplary embodiment of the present invention.

In more detail, FIG. 20 illustrates the real name verification for a non-face-to-face compound account opened on the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. Regarding the process of approving the real name verification through the identification card image (or the customer fingerprint image read out from the ID card image) and the customer fingerprint image obtained from the automated teller machine shown in 18, the process of processing the real name verification, Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 20 to implement various methods for the real name verification process for the non-real name compound account (e.g., some steps are omitted or broken down). Or combined practice methods), but the present invention includes all practice methods inferred above. W is made, the technical features are not limited only with the exemplary method shown in the figure 20.

Hereinafter, in FIG. 20, the automated teller machine (real name confirmation terminal) on the composite account operating system shown in FIG.

Referring to FIG. 20, the terminal accesses the server through a financial network, connects a communication channel, and transmits the real name verification request information to the server (2000). After receiving the real name verification request information, the validity of the real name verification for the non-real name composite account is verified through the real name verification request information (2005).

According to the embodiment of the present invention, when the real name verification request information is encrypted according to an encryption / decryption scheme, the server decrypts the real name verification request information according to the encryption / decryption scheme, so that the real name verification request information is displayed. It is desirable to verify that the validity of the real name for the non-real name compound account for non-face-to-face transactions is satisfied.

Alternatively, when the electronic signature is attached to the real name verification request information, the server confirms the electronic signature attached to the real name verification request information, so that the real name verification request information is the real name verification for the non-real name composite account for non-face-to-face transactions It is desirable to check whether the validity is satisfied.

Those skilled in the art to which the present invention pertains may include technical features for various decryption methods for decrypting the encrypted true request information, and technical features for confirming an electronic signature attached to the real name verification request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, non-face-to-face transaction validity verification using the real name verification request information may be performed to determine whether one or more ledgers matching the real name verification request information are registered in the ledger system associated with the multi-account management system. It is preferable to include what is included.

For example, the non-face-to-face transaction validity verification through the real name verification request information, the account information contained in the real name verification request information is a request that is included in the compound account ledger (or compound account ledger) on the ledger system linked to the compound account operating system Ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger) any one of the internal ledger) is preferably made, and the ledger system When a matching ledger is registered, it is preferable to confirm whether the real name verification request information satisfies the validity for real name verification for the non-real name compound account for non-face-to-face transactions.

According to an embodiment of the present invention, when the real name verification request information includes non-face-to-face authentication information of the customer (or real name verification agency, or real name verification agent), real name verification of the non-real name composite account for the non-face-to-face transaction is performed. Validation for the preferably further comprises authenticating the non-face-to-face authentication information.

On the other hand, it may be checked whether the validity is satisfied through the device information, the operator (or operator) information received from the terminal.

If the validity of the real name verification for the non-real name composite account is not authenticated (2010), the server generates real name verification error information and transmits it to the terminal (2015).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (2010), a real name verification approval process for comparing and confirming the customer fingerprint image in the real name verification information included in the real name verification request information is performed (2020).

That is, the identification card image is compared with the identification card image (or the customer fingerprint image read out from the identification card image) among the real name identification information included in the real name verification request information, and the customer fingerprint image acquired from the terminal is checked to confirm whether it is the same fingerprint. I approve.

If it is determined that the fingerprint is not the same fingerprint when the customer fingerprint image registered in the identification card and the customer fingerprint image acquired in the terminal are compared, that is, the real name confirmation is not approved (2025), the server confirms the real name. Error information is generated and transmitted to the terminal (2015)

On the other hand, when comparing and confirming the customer fingerprint image registered in the identification card and the customer fingerprint image obtained from the terminal, if it is determined that the same fingerprint, that is, if the real name confirmation approval (2025), the server confirms the name verification request information Read and confirm the deleted real name verification additional ledger added to the compound account ledger or the customer ledger corresponding to the non-real name composite account from the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. (2030).

If the deletion target real name confirmation additional ledger added to the composite account ledger or the customer ledger is not confirmed (2035), since the non-real name composite account has already been verified, the real name verification process shown in FIG. 20 ends. Of course, the non-real name composite account may transmit information indicating that the real name has been confirmed to the terminal to notify the customer.

On the other hand, if the deletion target real name verification additional ledger added to the composite account ledger or the customer ledger is confirmed (2035), the server deletes the deleted target name verification additional ledger from the composite account ledger or the customer ledger by the ledger system ( 2040), the restrictions on non-real name of the non-real name compound account for the non-face-to-face transaction and the restriction on the transaction will be removed.

According to an embodiment of the present invention, the server may be configured to delete the additional ledger by the multiple account ledger or the customer ledger by deactivating at least one additional target ledger to be deleted through the additional service management ledger provided in the ledger system. desirable.

Thereafter, the server generates real name verification processing result information and transmits it to the terminal (2045).

In addition, the server generates additional ledger log information corresponding to the deletion of the real name verification additional ledger information in association with the ledger system and processes it to be stored in the additional service log D / B provided in the ledger system (2050). .

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

21 is a diagram illustrating a real name verification process for a non-real name composite account according to another exemplary embodiment of the present invention.

More specifically, FIG. 21 is a diagram for processing real name verification for a non-face-to-face compound account opened on the multi-account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. When the automated teller machine shown in 18 compares the identification image of the customer with the customer face image or the customer fingerprint image and confirms the real name confirmation, and transmits the real name confirmation approval information, the present invention relates to a process of processing the real name confirmation. Those skilled in the art may refer to and / or modify this drawing 21 to implement various methods of real name verification for the non-real name compound account (e.g., some steps may be omitted or subdivided) Or combined implementation methods), but the present invention includes all implementation methods inferred above. He said, only by the embodiment method shown in the figure 21 is not limited its technical characteristics.

In the following figure 21, the automated teller machine (real name confirmation terminal) on the composite account operating system shown in Fig. 17 or 18 will be referred to as "terminal" for convenience, and the real name confirmation processing server will be referred to as "server".

Referring to FIG. 21, the terminal accesses the server through a financial network, connects a communication channel, and transmits a real name confirmation approval information to the server (2100). In response, the server transmits the name through the communication channel. After receiving the real name confirmation approval information, the validity of the real name confirmation for the non-real name composite account is confirmed through the real name confirmation approval information (2105).

According to the embodiment of the present invention, when the real name verification approval information is encrypted according to an encryption / decryption scheme, the server decrypts the real name verification approval information according to the encryption / decryption scheme, so that the real name verification approval information is displayed. It is desirable to verify that the validity of the real name for the non-real name compound account for non-face-to-face transactions is satisfied.

Alternatively, when the electronic signature is attached to the real name confirmation approval information, the server checks the electronic signature attached to the real name confirmation approval information, so that the real name confirmation information is the real name confirmation for the non-real name composite account for non-face-to-face transactions It is desirable to check whether the validity is satisfied.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted real name confirmation information, and technical features for confirming an electronic signature attached to the real name confirmation information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the non-face-to-face transaction validity verification through the real name confirmation approval information is confirmed whether at least one ledger matching the real name confirmation approval information is registered in the ledger system associated with the multi-account management system. It is preferable that it consists of including.

For example, the non-face-to-face transaction validity verification through the real name confirmation approval information, the account information included in the real name confirmation approval information is required to be included in the compound account ledger (or compound account ledger) on the ledger system linked to the compound account operating system. Ledger, earned ledger, deferred ledger, reseller-linked ledger, mileage / coupon ledger, small loan ledger) any one of the internal ledger) is preferably made, and the ledger system When a matching ledger is registered, it is preferable to confirm whether the real name verification approval information satisfies the validity for real name verification for the non-real name compound account for non-face-to-face transactions.

According to an embodiment of the present invention, when the real name confirmation information includes non-face-to-face authentication information of the customer (or real name verification agency, or real name verification agent), real name verification of the non-real name composite account for the non-face-to-face transaction is performed. Validation for the preferably further comprises authenticating the non-face-to-face authentication information.

On the other hand, the real name confirmation approval information transmitted from the terminal may include information that the real name confirmation approval by comparing the identification image of the customer to confirm the real name and the customer face image to confirm whether the same person in the terminal. have.

Alternatively, the real name confirmation approval information transmitted from the terminal may include information indicating that the real name confirmation approval is performed by comparing the identification image of the customer to be verified with the real name and the fingerprint image of the customer by checking the same fingerprint. .

On the other hand, it may be checked whether the validity is satisfied through the device information, the operator (or operator) information received from the terminal.

In the validity checking process, if the validity verification of the non-real name composite account is not authenticated (2110), the server generates real name verification error information and transmits it to the terminal (2115).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (2110), the server reads the real name verification approval information and opens the financial account opening system shown in FIG. 1 from the composite account ledger system shown in FIG. In operation 2120, the deleted real name verification additional ledger added to the multiple account ledger or the customer ledger corresponding to the non-real name composite account is confirmed.

If the deletion target real name confirmation additional ledger added to the composite account ledger or the customer ledger is not confirmed (2125), since the non-real name composite account has already been verified, the real name verification process shown in FIG. 21 ends. Of course, the non-real name composite account may transmit information indicating that the real name has been confirmed to the terminal to notify the customer.

On the other hand, if the deletion target real name verification additional ledger added to the composite account ledger or the customer ledger is confirmed (2125), the server deletes the deletion target real name verification additional ledger from the composite account ledger or the customer ledger ( 2130) abolish the limit and transaction restrictions according to the non-real name of the non-real name compound account for non-face-to-face transactions.

According to an embodiment of the present invention, the server may be configured to delete the additional ledger by the multiple account ledger or the customer ledger by deactivating at least one additional target ledger to be deleted through the additional service management ledger provided in the ledger system. desirable.

Thereafter, the server generates real name verification processing result information and transmits it to the terminal (2135).

In addition, the server generates additional ledger log information corresponding to the deletion of the real name verification additional ledger information in association with the ledger system to process the stored in the additional service log D / B provided in the ledger system (2140). .

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

22A and 22B illustrate a real name verification process for a non-real name composite account according to another exemplary embodiment of the present invention.

In more detail, FIGS. 22A and 22B illustrate a real name verification process for a non-face-to-face transaction composite account opened on the composite account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the real name verification agent, more specifically, the real name verification agent that approves the real name verification in person through the real name verification agent, and the process of processing the real name verification when the real name verification approval information is transmitted through the real name verification terminal, Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 22a and 22b to implement various methods of verifying the real name of the non-real name compound account (e.g., some steps may be omitted or Or subdivided or combined implementation methods), but the present invention is directed to all of the inferred implementation methods. Is done by also, only the way when the room shown in the drawing figures 22a and 22b is not limited that technical feature.

In the following FIGS. 22A and 22B, the real name verification terminal on the multi-account management system shown in FIG. 17 is referred to as "terminal" for convenience, and the real name verification processing server is referred to as "server" for convenience.

22A and 22B, the terminal accesses the server through a communication network, connects a communication channel, and performs non-face-to-face authentication through previously registered non-face-to-face authentication information for real name verification on the non-real name composite account. (2200).

According to an embodiment of the present invention, the terminal connects to the server and the non-real name composite for non-face-to-face transaction through ID / PW and / or an official certificate (or other certificate) registered for real name verification for the non-real name composite account. It is preferable to perform non-face-to-face authentication for real name verification of the account.

If the non-face-to-face authentication for real name verification for the non-face-to-face non-real name composite account is confirmed (2205), the terminal requests a web page for real name verification for the non-real name multi-account for non-face to face transaction 2210), correspondingly, the server generates (or extracts) one or more web pages including one or more real name verification interfaces for inputting (or selecting) the real name verification approval information (2215), and provides a preset web page providing procedure. At least one web page including at least one real name identification interface is transmitted to the terminal for output (2220), and correspondingly, the terminal receives at least one real name identification interface included in the at least one web page. The real name confirmation approval information is input (or selected) through 2225.

If the real name confirmation approval information is input (or selected) through the real name confirmation interface (2230), the terminal transmits the input (or selected) real name confirmation approval information to the server through a communication channel (2235). In response, the server receives the real name confirmation approval information through the communication channel, and then confirms the validity of the real name confirmation for the non-real name composite account through the real name confirmation approval information (2240).

According to the embodiment of the present invention, when the real name verification approval information is encrypted according to an encryption / decryption scheme, the server decrypts the real name verification approval information according to the encryption / decryption scheme, so that the real name verification approval information is displayed. It is desirable to verify that the validity of the real name for the non-real name compound account for non-face-to-face transactions is satisfied.

Alternatively, when the electronic signature is attached to the real name confirmation approval information, the server checks the electronic signature attached to the real name confirmation approval information, so that the real name confirmation information is the real name confirmation for the non-real name composite account for non-face-to-face transactions It is advisable to check whether the validity is satisfied.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted real name confirmation information, and technical features for confirming an electronic signature attached to the real name confirmation information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, non-face-to-face transaction validity verification using the real name confirmation approval information may be performed to determine whether one or more ledgers matching the real name confirmation approval information are registered in the ledger system associated with the multi-account management system. It is preferable to include what is included.

For example, the non-face-to-face transaction validity verification through the real name confirmation approval information, the account information included in the real name confirmation approval information is required to be included in the compound account ledger (or compound account ledger) on the ledger system linked to the compound account operating system. Ledger, earned ledger, deferred ledger, reseller-linked ledger, mileage / coupon ledger, small loan ledger) any one of the internal ledger) is preferably made, and the ledger system When a matching ledger is registered, it is preferable to confirm whether the real name verification approval information satisfies the validity for real name verification for the non-real name compound account for non-face-to-face transactions.

According to an embodiment of the present invention, when the real name confirmation information includes non-face-to-face authentication information of the customer (or real name verification agency, or real name verification agent), real name verification of the non-real name composite account for the non-face-to-face transaction is performed. Validation for the preferably further comprises authenticating the non-face-to-face authentication information.

If the real name verification validity for the non-real name composite account is not authenticated (2245), the server generates real name verification error information and transmits it to the terminal (2250).

On the other hand, if the real name verification validity for the non-real name composite account is authenticated (2245), the server reads the real name confirmation approval information from the multi-account ledger system shown in Figure 2 from the financial account opening system shown in Figure 1 Through the confirmation of the deleted real name verification additional ledger added to the composite account ledger or the customer ledger corresponding to the non-real name composite account (2255).

If the non-real name compounding account added to the multiple account ledger or the customer ledger is not confirmed (2260), since the non-real name composite account has already been verified, the real name verification process shown in FIGS. 22a and 22b is performed. Quit.

On the other hand, if the deletion target real name verification additional ledger added to the composite account ledger or the customer ledger is confirmed (2260), the server deletes the deletion target real name verification additional ledger from the composite account ledger or the customer ledger ( 2265), the restriction on the limit and the trade restriction according to the non-real name of the non-real name compound account for non-face-to-face transaction is abolished.

According to an embodiment of the present invention, the server may be configured to delete the additional ledger by the multiple account ledger or the customer ledger by deactivating at least one additional target ledger to be deleted through the additional service management ledger provided in the ledger system. desirable.

In this case, the server may further include generating a real name verification processing result information and transmitting it to the terminal.

Subsequently, the server generates additional ledger log information corresponding to the deletion of the real name verification additional ledger information in association with the ledger system and processes it to be stored in the additional service log D / B provided in the ledger system (2270). .

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

FIG. 23 is a diagram illustrating a process for requesting real name verification for a non-real name compound account operated in an automated teller machine according to an embodiment of the present invention.

More specifically, FIG. 23 is a diagram for processing real name verification for a non-face-to-face transaction composite account opened on the composite account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the process of generating the real name verification request information including the customer face image in the automated teller machine shown in FIG. 18 and transmitting it to the real name verification processing server shown in FIG. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps are omitted) for the process of requesting real name verification for the non-real name compound account by referring to and / or modifying the drawing 23 Or subdivided or combined methods of implementation) may be inferred; Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 23.

In the following figure 23, the automated teller machine (real name confirmation terminal) on the composite account operating system shown in FIG. 17 or 18 will be referred to as "terminal" for convenience, and the real name verification processing server will be referred to as "server".

Referring to FIG. 23, the terminal checks whether an operation mode of the terminal is a real name verification mode for requesting real name verification (2300).

According to an exemplary embodiment of the present invention, the terminal may switch to the real name checking mode by selecting a mode for checking the real name among a plurality of operation modes on a basic screen.

According to another embodiment of the present invention, the terminal is inserted into the card reader unit provided in the terminal associated with the non-face-to-face transaction composite account, when the non-face-to-face transaction is made, the non-face-to-face transaction composite account When it is confirmed from the server (real name verification processing server or non-face-to-face transaction server) that the real name verification subsidiary ledger is added and activated, the guide information is output that the real name verification is required, and the customer enters the real name verification mode according to the above guidance. By selecting, it may be switched to the real name checking mode.

If it is confirmed that the switch to the real name confirmation mode (2305), the terminal reads information about the card associated with the composite account (2310).

The card information reading process is performed by inserting a card into a card reader provided in the terminal. When reading the card information, the composite account information and the customer information included in the real name confirmation request information to be provided to the server afterwards are read. Read out together. The process of checking whether the real name checking mode is switched may be performed after the card associated with the composite account is inserted through the card reader. In this case, the card information reading process is checked whether the real name checking mode is switched. It may be performed before the process.

On the other hand, the composite account information included in the real name verification request information to be provided to the server may be obtained by the customer directly input through the terminal, the customer information is also entered directly by the customer through the terminal, or ID card information reading process The card information reading process may be omitted because it may be obtained from.

Thereafter, the terminal reads identification information of the customer to be verified using the real name (2315).

The ID card reading process is performed by inserting an ID card of the customer who is subject to real name verification into an ID card image obtaining unit provided in the terminal, and obtaining an ID card image. By reading it out. In addition, the process of checking whether the identification name is switched to the real name checking mode may be performed after the identification card of the customer who is the subject of the real name checking is inserted through the identification image acquisition unit. In this case, the identification information reading process is switched to the real name checking mode. It may be performed before the verification process. Of course, the card information reading process and the ID card information reading process are not necessarily made in the order shown in the drawing.

When it is confirmed that the real name verification mode has been switched, and the card information and the ID information are read, the terminal confirms the validity of the real name verification for the non-real name composite account (2320).

The verification of validity of the real name for the non-real name composite account may be performed by comparing the customer information read in the card information reading process and the customer information read in the ID card information reading process to confirm whether the same customer is the same customer. Alternatively, the validity may be authenticated by comparing the customer information directly input by the customer in the terminal and the customer information read in the ID card information reading process.

If the real name verification validity for the non-real name composite account is not authenticated (2325), the terminal generates and outputs the real name verification error information (2330).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (2325), the terminal acquires a customer face image through the image acquisition unit (2335).

Here, the terminal outputs an image (customer facial image) acquired by the image acquisition unit to a screen output unit provided in the terminal, and an interface (eg, eyes, nose) to obtain a customer facial image at an appropriate position. And an interface for outputting and guiding the position of the mouth on the screen output unit), thereby configuring the process of obtaining the best customer face image.

Thereafter, the terminal generates (2340) real name verification request information including the real name verification target customer information, composite account information, real name verification information and transmits it to the server (2345).

The customer information is customer identification information for identifying a customer whose real name for the non-face-to-face non-real name composite account is confirmed, wherein the customer information is any one of customer ledger information provided in the ledger system shown in FIG. It is preferable to match with identification information (or unique information).

According to an embodiment of the present invention, the customer information preferably comprises at least one member ID information, a customer information file (CIF), and a social security number (or social security number and customer name) of the customer.

The customer information may be information read in the card information reading process, information read in the identification card information reading process, or information directly input by the customer.

The composite account information is account identification information for identifying a composite account for which the real name of the non-face-to-face non-real name composite account is confirmed, and the composite account information is a composite account ledger provided in the ledger system shown in FIG. It is preferable to match any one identification information (for example, account number, account alias) of the information.

The complex account information may be information read during the card information reading process or information directly input by the customer.

The real name verification information, the base information for requesting the real name verification to the real name verification processing server, that is, the real name verification agency authentication information, the real name confirmation terminal information, one or more identification card image acquisition unit provided in the terminal It may be information including one or more ID images (or customer face images read in ID card information reading process) obtained by the image acquisition unit, and customer face images.

Meanwhile, the terminal further includes device information and operator information (or operator) for the terminal to the server so that the server can perform authentication for the terminal (or operator or operator). You can also send.

Thereafter, the server receives the real name verification request information, generates a real name verification process result information (or real name verification error information) through a real name verification approval process corresponding to the real name verification request information, and transmits it to the terminal (2350). ).

Thereafter, the terminal receives the real name verification process result information (or real name verification error information) corresponding to the real name verification request information, outputs through the screen output unit provided in the terminal (2355) and confirms to the customer by the real name verification process This ends.

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

24 is a diagram illustrating a real name verification request process for a non-real name compound account operated in a financial teller machine according to another embodiment of the present invention.

More specifically, FIG. 24 is a diagram for processing real name verification for a non-face-to-face compound account opened on the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the process of generating real name verification request information including the customer fingerprint image in the automated teller machine shown in FIG. 18 and transmitting it to the real name verification processing server shown in FIG. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps are omitted) for the process of requesting real name verification for the non-real name compound account by referring to and / or modifying the drawing 24 Or subdivided or combined methods of implementation) may be inferred; It is made, including the municipal method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 24, the automated teller machine (real name verification terminal) on the composite account operating system shown in FIG. 17 or 18 will be referred to as "terminal" for convenience, and the real name verification processing server will be referred to as "server".

Referring to FIG. 24, the terminal determines whether the operation mode of the terminal is a real name verification mode for requesting real name verification (2400).

According to an exemplary embodiment of the present invention, the terminal may switch to the real name checking mode by selecting a mode for checking the real name among a plurality of operation modes on a basic screen.

According to another exemplary embodiment of the present invention, the terminal is inserted into the card reader unit provided in the terminal, the card associated with the non-face-to-face transaction composite account is inserted, when the non-face-to-face transaction is made, the non-face-to-face transaction composite account If it is confirmed from the server (real name verification processing server or non-face-to-face transaction server) that an additional real name verification ledger is added to and activated, the user outputs the guide information indicating that the real name verification is necessary, and the customer confirms the real name according to the guidance. It is also possible to switch to the real name checking mode by selecting.

If it is confirmed that the switch to the real name confirmation mode (2405), the terminal reads information about the card associated with the composite account (2410).

The card information reading process is performed by inserting a card into a card reader provided in the terminal, and when reading the card information, the combined account information and the customer information included in the real name verification request information to be provided to the server later. Is read. The process of checking whether the real name checking mode is switched may be performed after the card associated with the composite account is inserted through the card reader. In this case, the card information reading process is checked whether the real name checking mode is switched. It may be performed before the process.

On the other hand, the composite account information included in the real name verification request information to be provided to the server may be obtained by the customer directly input through the terminal, the customer information is also entered directly by the customer through the terminal, or ID card information reading process The card information reading process may be omitted because it may be obtained from.

Thereafter, the terminal reads identification information of the customer to be verified using the real name (2415).

The identification card information reading process includes inserting an identification card of the customer to confirm the real name into the identification card image acquisition unit provided in the terminal, and obtaining an identification card image. By reading it out. In addition, the process of confirming whether the identification name is switched to the real name checking mode may be performed after the identification card of the customer who is the subject of the real name checking is inserted through the identification image acquisition unit. It may be performed before the verification process. Of course, the card information reading process and the ID card information reading process are not necessarily made in the order shown in the drawing.

When it is confirmed that the real name verification mode has been switched, and the card information and the ID information are read, the terminal confirms the validity of the real name verification for the non-real name composite account (2420).

The verification of validity of the real name for the non-real name composite account may be performed by comparing the customer information read in the card information reading process and the customer information read in the ID card information reading process to confirm whether the same customer is the same customer. Alternatively, the validity may be authenticated by comparing the customer information directly input by the customer in the terminal and the customer information read in the ID card information reading process.

If the real name verification validity for the non-real name composite account is not authenticated (2425), the terminal generates and outputs the real name verification error information (2430).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (2425), the terminal acquires a customer fingerprint image through the fingerprint acquisition unit (2435).

Thereafter, the terminal generates (2440) real name verification request information including the real name verification target customer information, composite account information, and real name verification information and transmits it to the server (2445).

The customer information is customer identification information for identifying a customer whose real name for the non-face-to-face non-real name composite account is confirmed, wherein the customer information is any one of customer ledger information provided in the ledger system shown in FIG. It is preferable to match with identification information (or unique information).

According to an embodiment of the present invention, the customer information preferably comprises at least one member ID information, a customer information file (CIF), and a social security number (or social security number and customer name) of the customer.

The customer information may be information read in the card information reading process, information read in the identification card information reading process, or information directly input by the customer.

The composite account information is account identification information for identifying a composite account for which the real name of the non-face-to-face non-real name composite account is confirmed, and the composite account information is a composite account ledger provided in the ledger system shown in FIG. It is preferable to match any one identification information (for example, account number, account alias) of the information.

The complex account information may be information read during the card information reading process or information directly input by the customer.

The real name verification information, the base information for requesting the real name verification to the real name verification processing server, that is, the real name verification agency authentication information, the real name confirmation terminal information, one or more identification card image acquisition unit provided in the terminal It may be information including at least one identification image (or a customer fingerprint image read in the identification information reading process) obtained by the fingerprint acquisition unit and at least one customer fingerprint image.

Meanwhile, the terminal further includes device information and operator information (or operator) for the terminal to the server so that the server can perform authentication for the terminal (or operator or operator). You can also send.

Thereafter, the server receives the real name verification request information, generates a real name verification processing result information (or real name verification error information) through a real name verification approval process corresponding to the real name verification request information, and transmits it to the terminal (2450). ).

Thereafter, the terminal receives the real name verification process result information (or real name verification error information) corresponding to the real name verification request information, outputs the output through 2455 through the screen output unit provided in the terminal to confirm the real name verification process This ends.

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

FIG. 25 is a diagram illustrating a real name verification process for a non-real name composite account operated in an automated teller machine according to an embodiment of the present invention.

In more detail, FIG. 25 is a diagram for processing real-name verification of a non-face-to-face composite account opened on the composite account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the automated teller machine shown in 18, the customer face image registered in the identification card is compared with the customer face image acquired through the image acquisition unit to confirm the real name confirmation, and generate the real name confirmation approval information to generate the real name shown in FIG. This is a process for receiving and outputting the real name verification processing result information by transmitting to the verification processing server, and those skilled in the art to which the present invention pertains may refer to and / or modify the non-real name composite account with reference to FIG. Various implementation methods for the blindness verification process (e.g., some steps are omitted, subdivided, or combined) Would be able to infer how City), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 25.

In the following figure 25, the automated teller machine (real name confirmation terminal) on the composite account operating system shown in Fig. 17 or 18 will be referred to as " terminal " for convenience, and the real name confirmation processing server will be referred to as " server ".

Referring to FIG. 25, the terminal checks whether an operation mode of the terminal is a real name verification mode for requesting real name verification (2500).

According to an exemplary embodiment of the present invention, the terminal may switch to the real name checking mode by selecting a mode for checking the real name among a plurality of operation modes on a basic screen.

According to another embodiment of the present invention, the terminal is inserted into the card reader unit provided in the terminal associated with the non-face-to-face transaction composite account, when the non-face-to-face transaction is made, the non-face-to-face transaction composite account When it is confirmed from the server (real name verification processing server or non-face-to-face transaction server) that the real name verification subsidiary ledger is added and activated, the guide information is output that the real name verification is required, and the customer enters the real name verification mode according to the above guidance. By selecting, it may be switched to the real name checking mode.

If it is confirmed that the switch to the real name confirmation mode (2505), the terminal reads information about the card associated with the composite account (2510).

The card information reading process is performed by inserting a card into a card reader provided in the terminal, and when reading the card information, the combined account information and the customer information included in the real name confirmation approval information to be provided to the server later. Is read. The process of checking whether the real name checking mode is switched may be performed after the card associated with the composite account is inserted through the card reader. In this case, the card information reading process is checked whether the real name checking mode is switched. It may be performed before the process.

On the other hand, the composite account information included in the real name confirmation approval information to be provided to the server may be obtained by the customer directly input through the terminal, the customer information is also entered directly by the customer through the terminal, or ID card information reading process The card information reading process may be omitted because it may be obtained from.

Thereafter, the terminal reads identification information of the customer to be verified using the real name (2515).

The ID card reading process is performed by inserting an ID card of the customer who is subject to real name verification into an ID card image obtaining unit provided in the terminal, and obtaining an ID card image. By reading it out. In addition, the process of confirming whether the identification name is switched to the real name checking mode may be performed after the identification card of the customer who is the subject of the real name checking is inserted through the identification image acquisition unit. It may be performed before the verification process. Of course, the card information reading process and the ID card information reading process are not necessarily made in the order shown in the drawing.

When it is confirmed that the real name verification mode has been switched, and the card information and the ID information are read, the terminal confirms the validity of the real name verification for the non-real name composite account (2520).

The verification of validity of the real name for the non-real name composite account may be performed by comparing the customer information read in the card information reading process and the customer information read in the ID card information reading process to confirm whether the same customer is the same customer. Alternatively, the validity may be authenticated by comparing the customer information directly input by the customer in the terminal and the customer information read in the ID card information reading process.

If the real name verification validity for the non-real name composite account is not authenticated (2525), the terminal generates and outputs the real name verification error information (2530).

On the other hand, if the validity of the real name verification for the non-real name composite account is authenticated (2525), the terminal acquires a customer face image through the image acquisition unit (2535).

Here, the terminal outputs an image (customer facial image) acquired by the image acquisition unit to a screen output unit provided in the terminal, and an interface (eg, eyes, nose) to obtain a customer facial image at an appropriate position. And an interface for outputting and guiding the position of the mouth on the screen output unit), thereby configuring the process of obtaining the best customer face image.

Thereafter, the terminal compares the customer face image registered in the identification card with the customer face image acquired through the image acquisition unit and performs a real name confirmation approval process (2540).

That is, the ID image (or the customer face image read out from the ID image) and the customer face image acquired by the image acquisition unit are compared and checked to confirm that they are the same person, thereby confirming the real name verification.

If it is determined that the customer face image registered in the identification card and the customer face image acquired by the image acquisition unit are not the same person, that is, the real name confirmation is not approved (2545), the terminal checks the real name. Error information is generated and output (2530).

On the other hand, when the customer face image registered in the identification card and the customer face image acquired by the image acquisition unit are compared and checked, if it is determined that they are the same person, that is, when real name confirmation is approved (2545), the terminal checks the real name. Real name confirmation approval information including target customer information, compound account information, and real name confirmation information is generated (2550) and transmitted to the server (2555).

The customer information is customer identification information for identifying a customer whose real name for the non-face-to-face non-real name composite account is confirmed, wherein the customer information is any one of customer ledger information provided in the ledger system shown in FIG. It is preferable to match with identification information (or unique information).

According to an embodiment of the present invention, the customer information preferably comprises at least one member ID information, a customer information file (CIF), and a social security number (or social security number and customer name) of the customer.

The customer information may be information read in the card information reading process, information read in the identification card information reading process, or information directly input by the customer.

The composite account information is account identification information for identifying a composite account for which the real name of the non-face-to-face non-real name composite account is confirmed, and the composite account information is a composite account ledger provided in the ledger system shown in FIG. It is preferable to match any one identification information (for example, account number, account alias) of the information.

The complex account information may be information read during the card information reading process or information directly input by the customer.

The real name verification information, including the real name verification agency authentication information, the real name verification terminal information for authenticating that the real name confirmation has been approved by the server, and also obtained from the identification card image acquisition unit, the image acquisition unit Customer's face image read in the ID card information reading process), and information including one or more customer's face images.

Meanwhile, the terminal further includes device information and operator information (or operator) for the terminal to the server so that the server can perform authentication for the terminal (or operator or operator). You can also send.

Thereafter, the server receives the real name verification approval information, generates a real name verification process result information (or real name verification error information) through a real name verification process corresponding to the real name verification approval information, and transmits it to the terminal (2560). ).

Thereafter, the terminal receives the real name verification process result information (or real name verification error information) corresponding to the real name verification approval information, outputs it through the screen output unit provided in the terminal (2565) and confirms to the customer by the real name verification process. This ends.

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

FIG. 26 is a diagram illustrating a real name verification process for a non-real name composite account operated in an automatic teller machine according to another embodiment of the present invention.

In more detail, FIG. 26 is a diagram for processing real-name verification of a non-face-to-face compounded account opened on the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. In the automated teller machine shown in 18, the customer fingerprint image registered in the identification card and the customer fingerprint image acquired through the fingerprint acquisition unit are compared and confirmed to confirm the real name confirmation, and generate the real name confirmation approval information to generate the real name shown in FIG. The present invention relates to a process of receiving and outputting real name verification process result information by transmitting to a verification processing server, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the non-real name composite account by referring to and / or modifying the present invention. Various implementation methods for the blindness verification process (e.g., some steps are omitted, subdivided, or combined) Would be able to infer how City), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 26.

Hereinafter, in FIG. 26, the automated teller machine (real name verification terminal) on the composite account operating system shown in FIG. 17 or 18 will be referred to as "terminal" for convenience, and the real name verification processing server will be referred to as "server".

Referring to FIG. 26, the terminal checks whether an operation mode of the terminal is a real name verification mode for requesting real name verification (2600).

According to an exemplary embodiment of the present invention, the terminal may switch to the real name checking mode by selecting a mode for checking the real name among a plurality of operation modes on a basic screen.

According to another embodiment of the present invention, the terminal is inserted into the card reader unit provided in the terminal associated with the non-face-to-face transaction composite account, when the non-face-to-face transaction is made, the non-face-to-face transaction composite account When it is confirmed from the server (real name verification processing server or non-face-to-face transaction server) that the real name verification subsidiary ledger is added and activated, the guide information is output that the real name verification is required, and the customer enters the real name verification mode according to the above guidance. By selecting, it may be switched to the real name checking mode.

If it is confirmed that the switch to the real name confirmation mode (2605), the terminal reads the information on the card associated with the double total account (2610).

The card information reading process is performed by inserting a card into a card reader provided in the terminal, and when reading the card information, the combined account information and the customer information included in the real name confirmation approval information to be provided to the server later. Is read. The process of checking whether the real name checking mode is switched may be performed after the card associated with the composite account is inserted through the card reader. In this case, the card information reading process is checked whether the real name checking mode is switched. It may be performed before the process.

On the other hand, the composite account information included in the real name confirmation approval information to be provided to the server may be obtained by the customer directly input through the terminal, the customer information is also entered directly by the customer through the terminal, or ID card information reading process The card information reading process may be omitted because it may be obtained from.

Thereafter, the terminal reads identification information of the customer to be verified using the real name (2615).

The identification card information reading process includes inserting an identification card of the customer to confirm the real name into the identification card image acquisition unit provided in the terminal, and obtaining an identification card image. By reading it out. In addition, the process of confirming whether the identification name is switched to the real name checking mode may be performed after the identification card of the customer who is the subject of the real name checking is inserted through the identification image acquisition unit. It may be performed before the verification process. Of course, the card information reading process and the ID card information reading process are not necessarily made in the order shown in the drawing.

When it is confirmed that the real name verification mode has been switched, and the card information and the ID information are read, the terminal confirms the validity of the real name verification for the non-real name composite account (2620).

The verification of validity of the real name for the non-real name composite account may be performed by comparing the customer information read in the card information reading process and the customer information read in the ID card information reading process to confirm whether the same customer is the same customer. Alternatively, the validity may be authenticated by comparing the customer information directly input by the customer in the terminal and the customer information read in the ID card information reading process.

If the real name verification validity for the non-real name composite account is not authenticated (2625), the terminal generates and outputs the real name verification error information (2630).

On the other hand, if the validity of the real name verification for the non-real name composite account is verified (2625), the terminal acquires a customer fingerprint image through the fingerprint acquisition unit (2635).

Thereafter, the terminal compares the customer fingerprint image registered in the identification card with the customer fingerprint image acquired through the fingerprint acquisition unit and performs a real name confirmation approval process (2640).

That is, the identification card image (or the customer fingerprint image read out from the identification card image) and the customer fingerprint image acquired by the fingerprint acquisition unit are compared and checked, and the same fingerprint is confirmed to confirm the real name verification.

When comparing the customer fingerprint image registered in the identification card and the customer fingerprint image acquired by the fingerprint acquisition unit, if it is determined that it is not the same fingerprint, that is, if the real name confirmation is not approved (2645), the terminal confirms the real name. Error information is generated and output (2630).

On the other hand, when comparing the customer fingerprint image registered in the identification card and the customer fingerprint image acquired by the fingerprint acquisition unit, if it is determined that the same fingerprint, that is, if the real name confirmation approval (2645), the terminal, the real name confirmation Real name verification approval information including target customer information, compound account information, and real name verification information is generated (2650) and transmitted to the server (2655).

The customer information is customer identification information for identifying a customer whose real name for the non-face-to-face non-real name composite account is confirmed, wherein the customer information is any one of customer ledger information provided in the ledger system shown in FIG. It is preferable to match with identification information (or unique information).

According to an embodiment of the present invention, the customer information preferably comprises at least one member ID information, a customer information file (CIF), and a social security number (or social security number and customer name) of the customer.

The customer information may be information read in the card information reading process, information read in the identification card information reading process, or information directly input by the customer.

The composite account information is account identification information for identifying a composite account for which the real name of the non-face-to-face non-real name composite account is confirmed, and the composite account information is a composite account ledger provided in the ledger system shown in FIG. It is preferable to match any one identification information (for example, account number, account alias) of the information.

The complex account information may be information read during the card information reading process or information directly input by the customer.

The real name verification information, including the real name verification agency authentication information, the real name verification terminal information for authenticating that the real name confirmation has been approved by the server, and also obtained from the identification card image acquisition unit, fingerprint acquisition unit, Customer fingerprint image read in the identification card information reading process), and information including one or more customer fingerprint images.

Meanwhile, the terminal further includes device information and operator information (or operator) for the terminal to the server so that the server can perform authentication for the terminal (or operator or operator). You can also send.

Thereafter, the server receives the real name verification approval information, generates a real name verification processing result information (or a real name verification error information) through a real name verification processing process corresponding to the real name verification approval information, and transmits the result to the terminal (2660). ).

Thereafter, the terminal receives the real name verification process result information (or real name verification error information) corresponding to the real name verification approval information, outputs the output through the screen output unit provided in the terminal (2665) and confirms to the customer by the real name verification process. This ends.

On the other hand, after the real name verification processing in the server, the process of storing the real name verification performance information according to the real name verification processing in the real name verification agency information D / B may be further included.

27 is a diagram illustrating a real name verification settlement process according to a real name verification process according to an embodiment of the present invention.

More specifically, FIG. 27 illustrates a process of processing a compensation for a real name verification agency that performed the real name verification when the real name verification is processed through one of the real name verification processes shown in FIGS. 19 to 26. As those of ordinary skill in the art to which the present invention pertains, various implementation methods (e.g., some steps are omitted) for the real name verification settlement process according to the real name verification process by referring to and / or modifying the present invention 27 Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 27, the real name verification terminal on the multi-account management system shown in Fig. 17 is referred to as " terminal " for convenience, and the real name verification processing server is referred to as " server ".

Referring to FIG. 27, if a real name verification is processed as one of the real name verification processes shown in FIGS. 19 to 26, a real name verification agency (or a real name verification agent or an automated teller manager) has performed the real name verification. By depositing the predetermined compensation amount into the financial account of the payment (2700), the settlement process according to the real name verification is completed.

Information about the financial account of the real name verification agency (or real name verification agent or the automated teller machine manager) can be confirmed from the real name verification agency information D / B.

28 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

More specifically, FIG. 28 illustrates a process of processing a compensation for a real name verification agency that has performed the real name verification when the real name verification is processed through one of the real name verification processes shown in FIGS. 19 to 26. As those of ordinary skill in the art to which the present invention pertains, various implementation methods (e.g., some steps are omitted) for the real name verification settlement process according to the real name verification process by referring to and / or modifying the drawing 28 Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 28, the real name verification terminal on the multi-account management system shown in Fig. 17 is referred to as "terminal" for convenience, and the real name verification processing server is referred to as "server".

Referring to FIG. 28, the real name verification is processed as one of the real name verification processes of the processes shown in FIGS. 19 to 26, and after the real name verification performance information for the real name verification agency that performed the real name verification is stored, When the time arrives (for example, at the end of each month), the real name verification agency information D / B is checked to confirm the performance information of each real name verification agency (2800).

If the real name verification performance information is confirmed (2805), the financial account of the real name verification agency (or the real name verification agent or the automated teller equipment manager) that performed the real name verification for the period (eg, 1 month) By depositing the compensation amount 2810, the settlement process according to the real name verification is completed.

Information about the financial account of the real name verification agency (or real name verification agent or the automated teller machine manager) can be confirmed from the real name verification agency information D / B.

29 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

More specifically, FIG. 29 illustrates a process of processing a compensation for a real name verification agency that has performed the real name verification when the real name verification is processed through one of the processes shown in FIGS. 19 to 26. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps are omitted) for the real name verification settlement process according to the real name verification process by referring to and / or modifying this drawing 29 Or subdivided or combined implementation methods), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 29, the real name confirmation terminal on the multi-account management system shown in Fig. 17 is referred to as " terminal " for convenience, and the real name confirmation processing server is referred to as " server ".

Referring to FIG. 29, after the real name verification is processed as one of the real name verification processes shown in FIGS. 19 to 26, after the real name verification performance information for the real name verification agency that performed the real name verification is stored, Real-name verification performance information for the real-name verification agency is checked from the real-name verification agency information D / B at a set time (for example, every day at 9:00 am) or at regular intervals (for example, every 2 hours), and performed by the real-name verification agency. It is checked whether a real name verification result is more than a predetermined result (for example, 50 times) (2900).

If there is a real name verification agency that has confirmed that the real name verification performance is more than the predetermined result (2905), it is applied to the financial account of the real name verification agency (or the real name verification agent or the automated teller equipment manager) who performed the real name verification. The compensation amount 2910 is received according to the performance (for example, 50 times).

Information about the financial account of the real name verification agency (or real name verification agent or the automated teller machine manager) can be confirmed from the real name verification agency information D / B.

Thereafter, the server records and stores in the real name verification result information of the real name verification agency information D / B that the settlement process for the real name verification result information is completed (2915). This is to prevent duplicate settlement of the settlement results. This closes the settlement process according to the real name verification.

30 is a diagram illustrating a multi-account management system for processing non-face-to-face transactions according to an embodiment of the present invention.

More specifically, Figure 30 is opened on the composite account ledger system shown in Figure 2 through the financial account opening system shown in Figure 1 is operated in a way of detaching and vice presidents through the addition / deletion of one or more additional ledgers In the non-real name compound account for non-face-to-face transactions, when the client terminal 3035 requests a non-face-to-face transaction for the compound account, a non-real name compound account operating system for non-face-to-face transaction is processed in response to the non-face-to-face transaction request. As illustrated, those of ordinary skill in the art to which the present invention pertains, various implementation methods (e.g., a part) for the configuration of a multi-account management system for processing the non-face-to-face transactions by referring to and / or modifying this figure 30 It may be inferred that the components are omitted, subdivided, or combined). Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 30.

For example, the terminal device requesting a non-face-to-face transaction for the non-real name compound account is not limited to the client terminal 3035 shown in FIG. 30, and is in accordance with the intention of the person skilled in the art and associated with the financial institution (or the financial institution). Financial teller machines (not shown) including at least one automatic teller machine (ATM), a cash dispenser (CD), and a public telephone network affiliated with the financial institution Call terminal (not shown) connected to wired telephone network such as Switched Telephone Network (PSTN), Voice over IP (VoIP) network, mobile communication network affiliated with the financial institution, wireless terminal such as wireless VoIP network (not shown) ), And the present invention clearly indicates that it is possible to request a transaction for the non-real name composite account through all the inferred terminal devices. Bayida leave.

In addition, in FIG. 30, a compound account ledger and a customer ledger corresponding to the compound account and one or more additional ledgers added / deleted to the compound account ledger to the customer ledger are shown in the ledger system shown in FIG. 2 for convenience. Although the present invention is not limited thereto, it is apparent that the additional ledger may be provided in a ledger system linked to an existing financial institution financial system equipped with the multiple account ledger and the customer ledger.

Hereinafter, in the non-real name compound account for non-face-to-face transactions opened on the compound account ledger system shown in FIG. 2 through the financial account opening system shown in FIG. 1 on the compound account operating system shown in FIG. 30, the client When the terminal 3035 requests a non-face-to-face transaction for the compound account, the component corresponding to one or more means and / or functional configurations for processing the transaction in response to the non-face-to-face transaction request is referred to as "non-face-to-face transaction server 3000. ) "

Referring to FIG. 30 in accordance with an embodiment of the present invention, the composite account operating system includes a client terminal 3035 including one or more wired terminals or wireless terminals requesting non-face-to-face transactions for the composite account, financial automation. A device (not shown) and a call terminal (not shown) are characterized in that it comprises one or more.

According to an embodiment of the present invention, when the client terminal 3035 including one or more wired terminals or wireless terminals requests a non-face-to-face transaction for the composite account, the client terminal 3035 may be a wired communication network or a wireless communication network. Access to the non-face-to-face transaction server 3000 through, and input transaction request information for non-face-to-face transactions for the composite account through one or more face-to-face transaction interface provided by the non-face-to-face transaction server 3000 (or It is desirable to have a function to transmit to the non-face-to-face transaction server 3000 provided on the multi-account management system via a communication network.

According to another embodiment of the present invention, when the automated teller machine (not shown) requests a non-face-to-face transaction for the composite account, the automated teller machine (not shown) is used for non-face-to-face transactions for the compound account. And a transaction program including one or more non-face-to-face transaction interfaces for inputting (or selecting) transaction request information. The transaction request information for non-face-to-face transactions for the composite account may be provided through the non-face-to-face transaction interface. It is preferable to have a function of inputting (or selecting) and transmitting to a non-face-to-face transaction server 3000 provided on the multi-account management system through a communication network.

According to another exemplary embodiment of the present invention, when the call terminal (not shown) requests a non-face-to-face transaction for the composite account, the call terminal (not shown) is connected to the public telephone network, VoIP network, or mobile communication network. Access the non-face-to-face transaction server 3000 and input transaction request information for the face-to-face transaction for the compound account through one or more voice-ment-based face-to-face transaction interface provided by the face-to-face transaction server 3000 (or It is desirable to have a function to transmit to the non-face-to-face transaction server 3000 provided on the composite account operating system.

Hereinafter, a configuration for processing a non-face-to-face transaction for the composite account by collectively referred to as the client terminal 3035 requesting a non-face-to-face transaction for the composite account. However, in the present invention, the terminal device requesting the non-face-to-face transaction for the composite account is not limited to the client terminal 3035, and the terminal device requesting the face-to-face transaction for the composite account is the non-face-to-face transaction server. It will be apparent that the terminal 3000 includes all kinds of terminal devices that can provide (or select) the transaction request information.

Referring to FIG. 30, when the client terminal 3035 connects a communication channel through the interface unit 3005, the non-face-to-face transaction server 3000 connects the communication channel to the face-to-face transaction for the composite account. The client terminal 3035 generates (or extracts) one or more non-face-to-face transaction interfaces for inputting (or selecting) transaction request information for the non-face-to-face transaction for the composite account and transmitting it to the non-face-to-face transaction server 3000. And an interface providing unit 3010 (or interface providing means) for providing the client terminal 3035 with the generated non-faced transaction interface in association with the interface unit 3005, and the client terminal ( 3035) by inputting (or selecting) the transaction request information for the non-face-to-face transaction for the composite account through the non-face-to-face transaction interface, And an information receiver 3015 (or an information receiver) for receiving the transaction request information transmitted from the client terminal 3035 in association with the interface unit 3005.

The interface provider 3010 connects the non-face-to-face transaction server 3000 to the non-face-to-face transaction server 3000 through the interface unit 3005, and then connects the composite to the non-face-to-face transaction server 3000. When requesting a non-face-to-face transaction interface for a non-face-to-face transaction for an account, the client terminal 3035 inputs (or selects) transaction request information for a face-to-face transaction for the multi-account through the non-face-to-face over the communication network. Generate one or more non-face-to-face transaction interfaces to be transmitted to the transaction server 3000, or extract from a database (not shown), and link the generated (or extracted) face-to-face interface with the interface unit 3005. It is characterized in that provided to the client terminal 3035 through a communication network.

According to an exemplary embodiment of the present invention, when the client terminal 3035 is a wired terminal connected to a wired communication network, the interface provider 3010 may be provided as a browser program or a communication program provided in the client terminal 3035. It is preferable to generate (or extract) a non-face-to-face transaction interface and provide the generated (or extracted) user interface to the client terminal 3035 through the interface unit 3005.

According to another exemplary embodiment of the present invention, when the client terminal 3035 is a wireless terminal connected to a wireless communication network, the interface providing unit 3010 is provided as a browser program or a communication program provided in the client terminal 3035. It is preferable to generate (or extract) possible non-face-to-face transaction interfaces and provide the generated (or extracted) user interface to the client terminal 3035 through the interface unit 3005.

According to another exemplary embodiment of the present invention, when the client terminal 3035 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 3010 is connected to the call terminal (not shown). Create (or extract) a non-face-to-face transaction interface (eg, a voicement based user interface or a graphic user interface that can be output through a screen output means provided in the call terminal) that can be provided, and through the interface unit 3005. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown).

According to another embodiment of the present invention, a program having one or more user interfaces for inputting (or selecting) the transaction request information to the client terminal 3035 and transmitting the transaction request information to the non-face-to-face transaction server 3000 through the communication network. Or the terminal apparatus for transmitting the transaction request information is a financial automation device (not shown), the interface providing unit for generating (or extracting) the non-face-to-face transaction interface and providing it to the client terminal 3035 ( 3010) may be omitted, and the present invention is not limited thereto.

When the client terminal 3035 inputs (or selects) and transmits transaction request information for a non-face-to-face transaction for the composite account through the non-face-to-face transaction interface, the information receiver 3015 receives the interface unit 3005. It is characterized in that for receiving the transaction request information in connection with.

Here, the non-face-to-face transactions that can be provided through the transaction request information, any of the multiple account ledger (or the required payment ledger, accumulated ledger, deferred ledger, resale-linked ledger, mileage / coupon ledger, small loan ledger) Including one or more inquiry transactions, transfer transactions, deposit payments, investment product transactions, small loans, credit loans, mortgage loans, loan interest payments, payments, mileage credits / coupons, and utility bills It is desirable to make, including all kinds of financial transactions in accordance with the intention of the skilled person.

Those skilled in the art to which the present invention pertains will be able to infer the detailed information configuration of the transaction request information for each transaction type described above, and thus the detailed description thereof will be omitted for convenience, and the present invention is a specific transaction. It is clear that it is not limited by kind.

Referring to FIG. 30, when the transaction request information is received through the information receiver 3015, the non-face-to-face transaction server 3000 reads the received transaction request information, and the transaction request information is the composite account. Characterized in that it comprises a validity verification unit 3020 (or validity verification means) for confirming that the non-face-to-face transaction validity for.

According to the exemplary embodiment of the present invention, when the transaction request information is encrypted according to an encryption / decryption method, the validity verification unit 3020 decrypts the transaction request information according to the encryption / decryption method, thereby providing the transaction request information. It is desirable to verify that the non-face-to-face transaction validity for the composite account is satisfied.

Alternatively, when the electronic signature is attached to the transaction request information, the validity confirming unit 3020 checks the electronic signature attached to the transaction request information, thereby validating the non-face-to-face transaction validity of the complex account. It is desirable to confirm that it is satisfactory.

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

According to an embodiment of the present invention, the non-face-to-face transaction validity check for the composite account includes checking whether one or more ledgers matching the transaction request information are registered in the ledger system associated with the composite account operation system. It is preferable to make.

For example, the non-face-to-face transaction validity check for the composite account, the account information included in the transaction request information is the multiple account ledger on the ledger system linked to the composite account operating system (or required ledger included in the composite account ledger, earning ceremony Ledgers, deferred ledgers, reselling ledgers, mileage / coupon ledgers, small loans ledgers any one of the internal ledgers) is preferably made, and the ledger system matching the transaction request information in the ledger system If is registered, it is preferable to confirm whether the transaction request information satisfies the non-face-to-face transaction validity for the composite account.

When the non-face-to-face authentication information is included in the transaction request information according to an embodiment of the present invention, the non-face-to-face transaction validity check for the composite account may further include authenticating the non-face-to-face authentication information.

Referring to FIG. 30, when the transaction request information is received through the information receiver 3015, the non-face-to-face transaction server 3000 provides non-face-to-face information through the received transaction request information in connection with the ledger system. Additional ledger checking unit 3025 (or additional ledger checking means) for checking one or more of the additional ledgers to be used corresponding to the transaction, and confirming whether a real name verification ledger is added to or deleted from the composite account or the customer ledger. It is characterized by comprising a.

When the transaction request information is received from any one of the client terminal 3035, the automated teller machine (not shown), and the call terminal (not shown) through the information receiving unit 3015, the additional ledger check unit 3025 In connection with the ledger system, it characterized in that for identifying one or more target additional ledgers for storing the additional ledger information to be used in the non-face-to-face transaction process provided through the received transaction request information.

According to an embodiment of the present invention, the additional ledger verification unit 3025 reads additional ledger log information stored in the additional service log D / B provided in the ledger system to store additional ledger information to be used in the non-face-to-face transaction process. It is advisable to identify one or more vice ledgers to be used.

In the technical field to which the present invention pertains, among the plurality of additional ledgers provided in the ledger system, additional ledger information to be used in the non-face-to-face transaction process for each non-face-to-face transaction corresponding to the transaction request information One or more types of ledgers to be stored may be inferred, and it will be apparent that the present invention is not limited by the types of ledgers to be used in the non-face-to-face transaction process.

In addition, the additional ledger confirmation unit 3025 may be connected to the ledger system by the real name confirmation processing unit of the real name confirmation processing server shown in FIG. Characterized by checking whether the real name verification additional ledger is deleted from the composite account or the customer ledger.

According to an embodiment of the present invention, the additional ledger checking unit 3025 reads additional ledger log information stored in the additional service log D / B provided in the ledger system, thereby real name of the real name verification processing server shown in FIG. It is preferable to confirm the real name confirmation additional ledger deleted in the compound account ledger or the customer ledger by the confirmation processing unit.

Referring to FIG. 30, the non-face-to-face transaction server 3000 is a real name verification assistant director by the real name verification processing unit of the real name verification processing server shown in FIG. If not deleted, the non-face-to-face transactions corresponding to the transaction request information are processed by first applying the attributes / conditions stored in the target additional ledger over the basic attributes / conditions set in the multi-account ledger, and as shown in FIG. In the case where the real name verification additional ledger is deleted by the real name verification processing unit of the real name verification processing server, the attribute / condition stored in the target additional ledger is applied to the transaction request information in preference to the basic attribute / condition set in the compound account ledger. Process the corresponding non-face-to-face transaction, but apply the limit and transaction limit corresponding to the real name verification vice president first. And a transaction processing unit 3030 (or transaction processing means) for processing non-face-to-face transactions corresponding to the blue information.

As a result of confirming by the additional ledger confirmation unit 3025, when the real name confirmation additional ledger is not deleted by the real name confirmation processing unit of the real name confirmation processing server shown in FIG. 17, the transaction processing unit 3030 is the composite account ledger. (Or internal ledgers of any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound account ledger). The non-face-to-face transaction corresponding to the transaction request information may be processed by first applying an attribute / condition.

As a result of confirming by the additional ledger confirmation unit 3025, when the real name confirmation additional ledger is deleted by the real name confirmation processing unit of the real name confirmation processing server shown in FIG. 17, the transaction processing unit 3030 is configured as the composite account ledger ( Or an attribute stored in the target vice ledger, rather than the basic attributes / conditions set in any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound account ledger. Deal with non-face-to-face transactions corresponding to the transaction request information by first applying conditions / conditions, and limiting and limiting transaction matching with the real name verification vice president of the basic attributes / conditions and the attributes / conditions stored in the target vice president Confirm and store the limit and transaction restrictions corresponding to the real name verification ledger in the basic attributes / conditions and the target ledger used. Further override the properties / conditions characterized in that the trading process the non-face-to-face transaction corresponding to the requested information.

31 illustrates a transaction request process for a composite account according to an embodiment of the present invention.

In more detail, in FIG. 31, the real name verification vice-chairperson for real name verification of the composite account through the real name verification vice president through one of the processes shown in FIGS. 19 to 26 is combined. After the deletion in the multi-account ledger or the customer ledger corresponding to the account, the process for requesting a non-face-to-face transaction for the composite account from the client terminal shown in Figure 30 to the non-face-to-face transaction server, the present invention belongs Those skilled in the art can refer to and / or modify this drawing 31 to implement various methods of requesting a transaction for the composite account (e.g., some components are omitted, subdivided, or combined). It may be inferred that, but the present invention includes all the implementation method inferred, the embodiment shown in Figure 31 The technical features are not limited only by the method.

In FIG. 31, the client terminal on the multi-account management system shown in FIG. 30 is referred to as "terminal" for convenience, and the non-face-to-face transaction server is referred to as "server" for convenience. However, a terminal device requesting a non-face-to-face transaction for the composite account is not limited to the client terminal, and the terminal device includes all terminal devices capable of requesting a non-face-to-face transaction for the composite account. It is obvious.

Referring to FIG. 31, the terminal accesses the server through a communication network, connects a communication channel, and performs face-to-face authentication through previously registered non-face-to-face authentication information for a face-to-face transaction for the composite account. ).

According to an embodiment of the present invention, the terminal accesses the non-face to face of the composite account through ID / PW and / or an authorized certificate (or other certificate) registered for non-face-to-face transactions for the composite account. It is desirable to perform non-face-to-face authentication for the transaction.

If the non-face-to-face authentication for the non-face-to-face transaction for the composite account is confirmed (3105), the terminal requests a web page for the face-to-face transaction for the composite account (3110), and correspondingly the server Generates (or extracts) one or more web pages including one or more non-face-to-face transaction interfaces for inputting (or selecting) the transaction request information (3115), and generates one or more non-face-to-face transaction interfaces according to a preset web page provision procedure. The terminal transmits and outputs one or more webpages including 3120 to the terminal, and correspondingly, the terminal transmits the transaction request information through one or more non-face-to-face transaction interfaces included in the received and output one or more webpages. Enter (or select) 3125.

If the transaction request information is input (or selected) through the non-face-to-face transaction interface (3130), the terminal transmits the input (or selected) transaction request information to the server through a communication channel (3135), In response, the server receives the transaction request information through the communication channel and then checks the validity of the non-face-to-face transaction for the composite account through the transaction request information (3140).

According to an embodiment of the present invention, when the transaction request information is encrypted according to an encryption / decryption scheme, the server decrypts the transaction request information according to the encryption / decryption scheme, so that the transaction request information may be used to determine the composite account. It is desirable to verify that the non-face-to-face transaction validity for the compound account is satisfied.

Alternatively, when the electronic signature is attached to the transaction request information, the server checks the electronic signature attached to the transaction request information, so that the transaction request information satisfies the non-face-to-face transaction validity of the compound account through the compound account. It is advisable to check.

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

According to the method of the present invention, the non-face-to-face transaction validity check for the composite account through the composite account is confirmed whether at least one ledger matching the transaction request information is registered in the ledger system linked with the composite account operating system. It is preferable that it consists of including.

For example, the non-face-to-face transaction validity confirmation for the composite account through the composite account, the account information included in the transaction request information is included in the compound account ledger (or the compound account ledger) on the ledger system linked to the compound account operating system It is preferable to include whether to match the internal ledger of any one of the required ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, micro-loan ledger), the ledger system and the transaction request information When a matching ledger is registered, it is preferable to check whether the transaction request information satisfies the non-face-to-face transaction validity of the compound account through the compound account.

According to an embodiment of the present invention, when the transaction request information includes non-face-to-face authentication information, the non-face-to-face transaction validity verification for the composite account through the composite account may further include authenticating the non-face-to-face authentication information. desirable.

If the non-face-to-face transaction validity for the composite account is not authenticated (3145), the server generates the non-face-to-face transaction error information and transmits it to the terminal (3150).

On the other hand, if the non-face-to-face transaction validity of the compound account is authenticated (3145), the server processes the non-face-to-face transaction for the compound account through the non-face-to-face transaction complex account based on the confirmed transaction request information. do.

32 is a diagram illustrating a non-face-to-face transaction process through verification of the addition / deletion of the real name verification additional ledger according to the embodiment of the present invention.

In more detail, FIG. 32 is a non-face-to-face transaction process in the non-face-to-face transaction server shown in FIG. 30 when the transaction request information for the non-face-to-face transaction is received in the transaction request process shown in FIG. 31. At least one of the vice-directors to be used in the process, and whether the real-name verification vice-director is deleted in one of the processes shown in FIGS. 19 to 26, and the non-face-to-face transaction is processed through the at least one vice-director. The process of processing the non-face-to-face transaction as a real name verification transaction or a non-real name transaction according to whether or not to delete the additional name ledger for real name verification, and a person having ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. And / or various modifications to the non-face-to-face transaction process (eg Some steps may be omitted, or the order of implementation may be changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG. No.

32, the client terminal on the multi-account management system shown in FIG. 30 is referred to as " terminal " for convenience, and the non-face-to-face transaction server is referred to as " server " for convenience. However, a terminal device requesting a non-face-to-face transaction for the composite account is not limited to the client terminal, and the terminal device includes all terminal devices capable of requesting a non-face-to-face transaction for the composite account. It is obvious.

Referring to FIG. 32, when transaction request information for non-face-to-face transactions for the composite account is received in the transaction request process shown in FIG. 31, the server is connected to the ledger system through the received transaction request information. In operation 3200, one or more of the target ledgers for storing the information of the ledgers to be used in the non-face-to-face transaction process provided are identified.

According to an embodiment of the present invention, the server reads the additional ledger log information stored in the additional service log D / B provided in the ledger system and stores at least one additional target object for storing additional ledger information to be used in the non-face-to-face transaction process. It is desirable to check the ledger.

Those skilled in the art to which the present invention pertains, among the plurality of additional ledgers provided in the ledger system, the additional ledger information to be used in the non-face-to-face transaction process for each non-face-to-face transaction corresponding to the transaction request information One or more types of ledgers to be stored may be inferred, and it will be apparent that the present invention is not limited by the types of ledgers to be used in the non-face-to-face transaction process.

If one or more of the target ledgers for storing additional ledger information to be used in the non-face-to-face transaction process is identified (3205), the server is connected to the ledger system through the financial account opening system shown in FIG. Identify the real name verification additional ledger added to the compound account ledger or the customer ledger on the compound account ledger system shown in FIG. 19 or the real name verification auxiliary ledger deleted through the real name verification process of one of the processes shown in FIGS. 19 to 26 above. (3210).

If the verification result, the real name verification additional ledger deleted through the real name verification of one of the processes shown in Figures 19 to 26 by real name verification for the composite account (3215), the server is The basic attributes / conditions set in the account ledger (or the internal ledger of any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound ledger) Check the attributes / conditions stored in the (3220), any of the multiple account ledger (or required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger) In response to the transaction request information by first applying the basic attributes / conditions set in the internal ledger and the attributes / conditions stored in the target additional ledger. Processes the non-face-to-face transaction (3225).

On the other hand, as a result of the verification, the real name verification vice president deleted through the real name verification process of one of the processes shown in FIGS. 19 to 26 by the real name verification of the composite account is not confirmed, and the finance shown in FIG. When the account opening system confirms the compound account ledger on the compound account ledger system shown in FIG. 2 or the real name verification additional ledger added to the customer ledger (3215), the server includes the compound account ledger (or the compound account ledger). Basic attributes / conditions set in any one of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers) Check the limit restrictions and transaction restrictions attributes / conditions by the ledger (3230), and make the required payment included in the compound account ledger (or compound account ledger). The transaction by applying the attributes / conditions stored in the target supplementary ledger over the basic attributes / conditions set in any one of the internal ledger of any one of the ledger, accumulated ledger, deferred ledger, resale ledger, mileage / coupon ledger, and microloan ledger. Process the non-face-to-face transaction corresponding to the request information, but apply the limit and transaction restriction corresponding to the real name verification ledger more preferably than the default attributes / conditions and the attributes / conditions stored in the target ledger to be used. Process the non-face-to-face transaction corresponding to (3235).

In the technical field to which the present invention belongs, one or more of the transaction information included in the transaction request information (for example, account information and transaction amount information corresponding to the non-face-to-face complex account) Since technical features of processing non-face-to-face transactions can be inferred according to the attribute / condition information, a detailed description thereof will be omitted for convenience.

If the non-face-to-face transaction corresponding to the transaction request information is processed using the checked attribute / condition information (3240), the server transmits the result of the non-face-to-face transaction processing to the terminal (3245).

33 is a diagram illustrating a real name verification settlement process according to a real name verification process according to another embodiment of the present invention.

More specifically, in FIG. 33, a non-face-to-face transaction is performed through a non-face-to-face transaction server shown in FIG. 30 using a compound account whose real name is verified through one of the processes shown in FIGS. 19 to 26. If this is done, the process for processing the compensation for the real name verification agency that performed the real name verification for the composite account, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Or may be modified to infer various implementation methods (e.g., implementation methods for which some steps are omitted, subdivided, or combined) according to the real name verification process according to the real name verification process, but the present invention is inferred It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In addition, the real name verification processing server on the compound account operating system shown in FIG. 17 and the non-face transaction server on the compound account operating system shown in FIG. 30 include only components that perform a specific function. Although only the server name according to the present invention is different, the real name verification processing server and the non-face-to-face transaction server may be the same server.

In the following figure 33, the real name confirmation terminal on the multi-account management system shown in FIG. 17 is referred to as a " terminal " for convenience, and the real name verification processing server or non-face-to-face transaction server shown in FIG. Server ".

Referring to FIG. 33, when the non-face-to-face transaction process shown in FIG. 32 is performed using a compound account whose real name is verified as one of the processes shown in FIGS. 19 to 26, the server In operation 3300, it is determined whether there is a real name verification agency that performs real name verification for the non-face-to-face complex account.

Information about the real name verification agency that performed the real name verification for the composite account can be confirmed through real name verification agency information D / B. Alternatively, if information about the real name verification agency that performed the real name verification is recorded in the multi-account ledger or the customer ledger corresponding to the multi-account, the real name verification for performing the real name verification on the composite account through the ledger system You can also check agency information.

When the real name verification agency that performs the real name verification for the non-face-to-face transaction requested account is confirmed (3305), it is checked whether the settlement process according to the real name verification of the multi-account requested for the non-face-to-face transaction is completed.

At the end of the real name verification settlement process according to the real name verification process according to FIG. 33, it is recorded and stored in the real name verification performance information of the real name verification agency information D / B that the settlement process for the real name verification for the composite account is completed or The process of recording and storing in the compound account ledger or the customer ledger corresponding to the compound account, if it is confirmed that the settlement process according to performing the real name verification of the compound account requesting the non-face-to-face transaction (3315), Since the settlement process for the real name verification for the composite account has already been performed, the settlement process is not repeated and the settlement process is completed.

On the other hand, if the settlement process according to the real name verification of the composite account requesting the non-face-to-face transaction is not completed (3315), it is set as a financial account of the confirmed real name verification agency (or real name verification agent or financial automated device manager). Deposit the reward.

Information about the financial account of the real name verification agency (or real name verification agent or the automated teller machine manager) can be confirmed from the real name verification agency information D / B.

Thereafter, the server records and stores in the real name verification performance information of the real name verification agency information D / B that the settlement process for the real name verification performance information is completed, or to the compound account ledger or customer ledger corresponding to the composite account Record and store (3325).

The above embodiments are only examples of the present invention, and therefore, the present invention should not be construed as being limited to the above embodiments. In other words, the present invention should be construed as having a technical spirit that includes the contents described in the claims to be described later and the equivalent ranges of such contents.

As described in detail above, according to the present invention,

First, the real name can be face-to-face (through confirmation of the real name verification agent) or non-face-to-face (face recognition or fingerprint recognition through the financial automation device) through a real name verification agency (partnership, affiliated branch, affiliated agency, financial automation equipment, etc.). Since the verification can be performed, even if the customer does not necessarily visit the financial institution, the real name verification can be performed to eliminate disadvantages such as limit restrictions and transaction restrictions.

Second, since the customer opens a non-real name composite account, the customer may be informed of the real name verification agency information convenient for the customer to the terminal possessed by the customer, so as to remind the customer from time to time about the necessity of real name confirmation And, if you want to verify the real name, based on the information received in the terminal can be easily to go to the real name verification agency.

Third, by providing the information about the customer from the customer who opened the non-real name compound account to the adjacent real name verification agency, the real name verification agency to contact the customer, can actively induce the real name verification have.

Fourth, since the location of the customer can be confirmed from time to time to guide the real name verification agency information that is located adjacent to the customer, to remind the customer of the need for real name confirmation from time to time, if you want to verify the real name, the terminal Based on the received information, you can easily go to the real name verification agency.

Fifth, by rewarding the real name verification agency performing the real name verification according to the performance, the real name verification agency can actively induce the real name confirmation to the customer.

Claims (12)

Real-name verification on non-face-to-face transaction accounts opened to enable additional services through the removal and relocation of the vice-general ledger Financial automation that performs real-name verification on non-face-to-face non-real-name accounts that have limits and transaction restrictions In the device, A card reader unit recognizing a card associated with the account to obtain card information; Identification card image acquisition unit for acquiring the front (or rear) image of the identification card of the customer verification request name; A screen output unit for outputting a real name checking process; A key input unit for receiving information from the real name verification request customer; An image acquisition unit for acquiring a face image of the real name confirmation request customer; A communication unit communicating with a real name verification processing server for real name verification processing through a financial network; And Approving the real name verification by comparing the customer face image of the front image of the identification card obtained through the identification card image acquisition unit with the customer face image acquired through the image acquisition unit to confirm whether they are the same person, and the card reader unit or the key input unit. And a controller configured to generate real name verification approval information including the real name verification target customer information, the account information, the front image of the ID card, and the customer face image, and provide the real name verification approval information to the real name verification processing server through the communication unit. A financial automation device equipped with a real name verification function, characterized in that. The method of claim 1, And a fingerprint acquiring unit for acquiring a fingerprint image of the real name verification request customer. The control unit, Approving the real name verification by comparing the customer fingerprint image of the back image of the identification card obtained through the identification card image acquisition unit with the customer fingerprint image obtained through the fingerprint acquisition unit and confirming whether it is the same fingerprint, and the card reader unit or the key input unit And performing a function of generating real name verification approval information including the real name verification target customer information, the account information and the back image of the ID card, and the customer fingerprint image, which are acquired through the communication unit and providing the real name verification processing server to the real name verification processing server. A financial automation device equipped with a real name verification function, characterized in that. The method of claim 1, wherein the control unit, The card information is provided to the real name verification processing server through the communication processing unit to confirm (or receive) account information corresponding to the card information, and the account information is read to add the real name verification additional ledger. A financial automation device equipped with a real name verification function, characterized in that the non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set. The method of claim 1, wherein the control unit, Provides the card information to the real name verification processing server through the communication processing unit, and is associated with the card information from the real name verification processing server, a non-real name for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger A financial automated device equipped with a real name verification function, characterized in that for receiving account information corresponding to the account. The method of claim 1, wherein the control unit, If the card information is account information, the real name verification function, characterized in that the account information is read by verifying whether the account name is a non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger. Equipped with automated teller machines. The method of claim 1, wherein the control unit, The automated teller machine equipped with the real name verification function, characterized in that the device information for the financial automated machine for real name verification, financial automated device operator (or operator) information is further provided to the real name verification processing server through the communication unit. . Real-name verification on non-face-to-face transaction accounts opened to enable additional services through the removal and relocation of the vice-general ledger Financial automation that performs real-name verification on non-face-to-face non-real-name accounts that have limits and transaction restrictions In the device, A card reader unit recognizing a card associated with the account to obtain card information; Identification card image acquisition unit for acquiring the front (or rear) image of the identification card of the customer verification request name; A screen output unit for outputting a real name checking process; A key input unit for receiving information from the real name verification request customer; An image acquisition unit for acquiring a face image of the real name confirmation request customer; A communication unit communicating with a real name verification processing server for approving and processing a real name verification through a financial network; And Real name verification including the real name identification target customer information obtained through the card reader unit or key input unit, account information and the front image of the identification card obtained through the identification card image acquisition unit and the customer face image obtained through the image acquisition unit And a controller for generating request information and providing the request information to the real name verification processing server through the communication unit. The method of claim 7, wherein And a fingerprint acquiring unit for acquiring a fingerprint image of the real name verification request customer. The control unit, Real name verification including the real name identification target customer information obtained through the card reader or key input unit, account information and the back image of the identification card obtained through the identification card image acquisition unit and the customer fingerprint image obtained through the fingerprint acquisition unit And a function of generating request information and providing the request information to the real name verification processing server through the communication unit. The method of claim 7, wherein the control unit, The card information is provided to the real name verification processing server through the communication processing unit to confirm (or receive) account information corresponding to the card information, and the account information is read to add the real name verification additional ledger. A financial automation device equipped with a real name verification function, characterized in that the non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set. The method of claim 7, wherein the control unit, Provides the card information to the real name verification processing server through the communication processing unit, and is associated with the card information from the real name verification processing server, a non-real name for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger A financial automated device equipped with a real name verification function, characterized in that for receiving account information corresponding to the account. The method of claim 7, wherein the control unit, If the card information is account information, the real name verification function, characterized in that the account information is read by verifying whether the account name is a non-real name account for non-face-to-face transactions for which limit and transaction restrictions are set by adding a real name verification additional ledger. Equipped with automated teller machines. The method of claim 7, wherein the control unit, The automated teller machine equipped with the real name verification function, characterized in that the device information for the financial automated machine for real name verification, financial automated device operator (or operator) information is further provided to the real name verification processing server through the communication unit. .

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