KR100791271B1 - The Inter Compatible Processing System and Method of the Money Receiving Account Number which It Frequently Uses Between a Plurality of Non-facing Channels and the program Recording Medium - Google Patents

Abstract

The present invention relates to a method and a system for mutually compatible payment account information frequently used among a plurality of non-face-to-face channels. When the frequently used deposit account information of the customer newly added or changed in the face-to-face channel is generated, the new non-face-to-face channel management server managing the first non-face-to-face channel is added to the previously stored customer's frequently used deposit account information. After updating or applying the frequently used deposit account information of the updated or changed customer, the frequently used deposit account information of the renewed customer to the second non-facing channel management server to N (N = 2, 3, ... N) transmitting to the non-facing channel management server, and the second non-facing channel management server to the N (N = 2, 3, ... N) non-facing channel management server Storing the frequently used deposit account information of the stored customer with the frequently used deposit account information of the customer transmitted by the first non-facing channel management server; and storing the frequently used deposit account information of the customer and the second non-facing channel to N th (N = 2). , 3, ... N) when connected to the non-face-to-face channel transfer transaction, the second non-face-to-face channel management server to N (N = 2, 3, ... N) non-face-to-face channel management server replacement And providing the customer's frequently used deposit account information to the customer through the second non-facing channel to N-th (N = 2, 3, ... N) non-facing channel.

Non-facing, channel, ledger, banking

Description

The Inter Compatible Processing System and Method of the Money Receiving Account Number which It Frequently Uses Between a Plurality of Non-facing Channels and the program Recording Medium}

1 is a diagram illustrating a financial transaction system through at least one financial transaction medium according to an embodiment of the present invention.

2 is a diagram illustrating a system configuration for exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a ledger according to an embodiment of the present invention.

3A and 3B are diagrams illustrating an information structure in which deposit account information is linked to a ledger on a financial system according to an embodiment of the present invention.

4A and 4B illustrate an information structure in which customer information (or customer account information) and deposit account information are linked to a storage medium on a financial system according to an embodiment of the present invention.

5 is a view showing a preferred configuration of the Internet banking system for exchanging payment account information through the ledger according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of transferring and registering deposit account information registered in an Internet banking system through a ledger to a ledger D / B on a financial system according to an embodiment of the present invention.

7 is a view showing a preferred configuration of the teller terminal and / or CD / ATM system for the exchange of payment account information through the ledger according to another embodiment of the present invention.

8 is a diagram illustrating an operation process of a financial terminal for initiating a financial transaction according to an exemplary embodiment of the present invention.

9A and 9B illustrate an operation process of a ledger server for processing financial transactions according to an exemplary embodiment of the present invention.

10 is a diagram illustrating an operation process of a financial terminal for registering deposit account information during a financial transaction according to an exemplary embodiment of the present invention.

11 is a diagram illustrating an operation process of a ledger server for registering deposit account information during a financial transaction according to an embodiment of the present invention.

12 is a view showing a preferred configuration of the teller terminal and / or CD / ATM system for the exchange of payment account information through the ledger according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a functional configuration of a financial terminal which processes the financial terminal to store the deposit account information in association with the ledger information according to an embodiment of the present invention.

14 is a diagram illustrating an operation process of a financial terminal for initiating a financial transaction according to another exemplary embodiment of the present invention.

15 is a diagram illustrating an operation process of a ledger server for processing financial transactions according to another embodiment of the present invention.

16 is a diagram illustrating an operation process of a financial terminal processing to register deposit account information during a financial transaction according to another embodiment of the present invention.

17 is a diagram illustrating an operation process of a ledger server for processing a financial transaction according to another embodiment of the present invention.

18 is a diagram illustrating an operation process of a financial terminal processed to register deposit account information during a financial transaction according to another embodiment of the present invention.

19 is a diagram illustrating a system configuration for exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a storage medium according to an embodiment of the present invention.

20 is a diagram illustrating a method of exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a storage medium according to an embodiment of the present invention.

21A and 21B are diagrams showing deposit account information provided on an IC card according to an embodiment of the present invention.

FIG. 22 is a diagram illustrating an operation process of a financial terminal for processing to register deposit account information in an IC card-based financial transaction according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating an operation process of a financial terminal processing to register deposit account information in an IC card-based financial transaction according to another embodiment of the present invention.

24 is a diagram illustrating an operation process of a financial terminal for processing to register deposit account information in an IC card-based financial transaction according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial system 105: foreign system

110: accounting system 115: information system

120: interface module 125: DBMS

130: financial terminal 135: financial network

140: interface means

200: Internet banking server 205: ledger

500: web page operation unit 505: content operation unit

510: banking processing unit 515: ledger processing unit

520: UI processing unit 525: web interface unit

530: DBMS 535: client terminal

540: communication channel 545: Internet banking unit

550: information registration server 555: information extraction unit

560: information storage unit

According to the present invention, when the frequently used deposit account information of a customer newly added or changed in the first non-facing channel occurs, the frequently used deposit account information of the newly added or changed customer may be transferred to the second non-facing channel. The present invention relates to a mutually compatible processing method and system for frequently used deposit account information between a plurality of non-face-to-face channels for providing through an N-th (N = 2, 3, ... N) non-face-to-face channel.

With the rapid development of information and communication technology applied throughout the financial industry, the counter terminals provided at each branch of a financial institution and / or at each branch of the financial institution (and / or at a location affiliated with the financial institution). Computers connected to the Internet (eg, desktop computers, laptops, etc.) in addition to financial transactions using closed financial transaction media such as equipped Cash Dispenser (CD) and / or Automatic Teller Machine (ATM) Internet banking using WP (Wireless Application Protocol) based wireless banking, mobile communication network using a mobile terminal connected to public telephone network and / or mobile communication network and telebanking using ARS (Automatic Response Service) Various types of open financing, including IC chip-based wireless banking using a wireless terminal equipped with a wireless integrated circuit (IC) chip Below the medium it has been commercialized.

The open financial transaction medium is connected to an open network that provides anonymity and / or malicious access unlike the closed financial transaction medium using a dedicated communication network that strictly blocks (or authenticates) access from the outside.

Accordingly, most financial institutions use the open financial transaction medium to separate the financial institution's internal financial system from the open network to protect the internal financial system of the financial institution. And a financial transaction system corresponding to a security element for preventing malicious access from an open network), a predetermined buffer area is provided between the open network and the financial system. Only when it is confirmed that the financial transaction is normally processed in the financial transaction system corresponding to the financial transaction medium, the method is applied to the financial system.

On the other hand, Internet banking of the open financial transaction medium, unlike the closed financial transaction medium provides a variety of information input means, whereby the open financial transaction medium is provided with a variety of additional functions for easy processing the financial transaction The additional function includes a function of providing at least one deposit account list for account transfer (or wire transfer) transaction.

However, due to the nature of each financial transaction system corresponding to each open financial transaction medium operating independently and interworking with the internal financial system of the financial institution, the additional function corresponding to the Internet banking is an internal financial system of the financial institution. It includes a closed financial transaction medium that directly interoperates with, and / or a problem that cannot be used in other forms of open financial transaction media other than the Internet banking.

The present invention was derived to solve the above problems, and linked at least one deposit account information to at least one ledger stored in the ledger D / B provided in the DBMS (Database Management System) on the internal financial system of the financial institution Process and store and / or associate and store customer information and at least one deposit account information in a predetermined storage medium provided in the DBMS on the financial system, and / or in a predetermined DBMS on the financial system. After storing and storing the customer account information and the at least one deposit account information in a storage medium, and using a closed financial transaction medium including a teller terminal and / or CD / ATM, transaction transfer (or wire transfer), and / Or account transfers (or remittances) that correspond to telephony using ARS and a call terminal connected to a public telephone network and / or mobile communication network. ) And / or an account transfer (or wire transfer) transaction corresponding to WAP-based wireless banking using a wireless terminal connected to a mobile communication network, and / or an IC chip using a wireless terminal connected to a mobile communication network and equipped with a wireless IC chip. The present invention provides a method and system for interoperating frequently used deposit account information among a plurality of non-face-to-face channels for use in an account transfer (or remittance transfer) transaction corresponding to the base wireless banking, and a program recording medium therefor.

In accordance with the present invention, a method of mutually interoperating with deposit account information frequently used between a plurality of non-face-to-face channels may include generating the frequently used deposit account information newly added or changed in a first non-face-to-face channel. In the first non-face-to-face channel management server that manages the renewal processing by applying the newly added or changed frequently used customer's frequently used deposit account information to the previously stored customer's frequently used deposit account information, the frequently updated customer's frequently Transmitting the deposit account information to be used to the second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server; The first non-facing channel management server transmits frequently used deposit account information of a customer previously stored in the second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. Storing the payment account information frequently used by the customer; And when the customer connects to the second non-face-to-face channel to Nth (N = 2, 3, ... N) face-to-face channel, and transfers the transaction, the second non-face-to-face channel management server to N-th (N = 2, 3, ... N) non-facing channel management server to transfer the frequently used deposit account information of the replaced customer to the second non-facing channel to N (N = 2, 3, ... N) non-facing channel Providing to the customer through the; characterized in that comprises a.

According to another exemplary embodiment, the mutually compatible processing method for deposit account information frequently used between the plurality of non-face-to-face channels may include: generating the frequently used deposit account information of a customer newly added or changed in a first non-face-to-face channel; In the first non-face-to-face channel management server managing the non-face-to-face channel, the renewal process is performed by applying the newly added or changed frequently used customer's frequently used deposit account information to the previously stored customer's frequently used deposit account information. Transmitting frequently used deposit account information of a customer to a predetermined information storage server; After storing the frequently used payment account information of the renewed customer in the information storage server, the second non-facing channel management server to Nth (N = 2, 3, ... N) transmitting to the non-facing channel management server; Frequently used deposit account information of the customer previously stored in the second non-facing channel management server to N (N = 2, 3, ... N) non-facing channel management server frequently used by the customer sent by the information storage server Saving and replacing the deposit account information; And when the customer connects to the second non-face-to-face channel to Nth (N = 2, 3, ... N) face-to-face channel, and transfers the transaction, the second non-face-to-face channel management server to N-th (N = 2, 3, ... N) non-facing channel management server to transfer the frequently used deposit account information of the replaced customer to the second non-facing channel to N (N = 2, 3, ... N) non-facing channel Providing to the customer through; can be made, including.

According to another embodiment, the mutually compatible processing method of the deposit account information frequently used between the plurality of non-face-to-face channels, the occurrence of frequently used deposit account information of the customer newly added or changed in the first non-face-to-channel channel, The first non-face-to-face channel management server managing the non-face-to-face channel is updated by applying the newly added or changed customer's frequently used deposit account information to the previously stored customer's frequently used deposit account information. Transmitting the frequently used deposit account information of the added or changed customer to the second non-face-to-face channel management server to Nth (N = 2, 3, ... N) non-face-to-face channel management server; The first non-facing channel management server transmits the deposit account information of the customer which is previously stored in the second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. Updating the frequently used deposit account information of the previously stored customer by applying the frequently used deposit account information of the customer; And when the customer connects to the second non-face-to-face channel to Nth (N = 2, 3, ... N) face-to-face channel, and transfers the transaction, the second non-face-to-face channel management server to N-th (N = N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N Providing to the customer through the channel; can be made.

According to another embodiment, the mutually compatible processing method of the deposit account information frequently used between the plurality of non-face-to-face channels, the occurrence of frequently used deposit account information of the customer newly added or changed in the first non-face-to-channel channel, The first non-face-to-face channel management server managing the non-face-to-face channel is updated by applying the newly added or changed customer's frequently used deposit account information to the previously stored customer's frequently used deposit account information. Transmitting the frequently used deposit account information of the added or changed customer to a predetermined information storage server; The information storage server transmits frequently used deposit account information of the newly added or changed customer to a second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. step; The second non-facing channel management server to the N (N = 2, 3, ... N) non-facing channel management server frequently used by the customer of the information stored in the customer's frequent deposit account information previously stored in the information storage server Updating the frequently used deposit account information of the customer by applying the deposit account information; And when the customer connects to the second non-face-to-face channel to Nth (N = 2, 3, ... N) face-to-face channel, and transfers the transaction, the second non-face-to-face channel management server to N-th (N = N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N, N Providing to the customer through the channel; can be made.

According to another embodiment, the mutually compatible processing method of the deposit account information frequently used between the plurality of non-face-to-face channels, the occurrence of frequently used deposit account information of the customer newly added or changed in the first non-face-to-channel channel, Transmitting frequently used deposit account information of the newly added or changed customer to an information storage server in a first non-facing channel management server managing a non-facing channel; Apply the newly added or changed customer's frequently used payment account information transmitted from the first non-facing channel management server to the frequently used payment account information previously stored in the ledger DB or the storage medium in the information storage server. Updating previously stored payment account information of the customer; And managing a non-face-to-face channel connected to the customer when the customer transfers the transaction by connecting to any one of a second non-face-to-face channel to a N-th (N = 2, 3, ... N) face-to-face channel. And extracting frequently used deposit account information of the updated processed customer stored in the ledger DB or storage medium from the non-facing channel management server and providing the same to the customer through a non-facing channel connected to the customer.

Here, when a frequently used deposit account information of a customer newly added or changed in a non-face-to-face channel connected to the customer, the non-faced channel management server managing the non-face-to-side channel frequently uses the newly added or changed customer. New or additionally changed or transferred from the non-facing channel management server to the deposit account information of the customer previously stored in the ledger DB or storage medium in the deposit account information to the information storage server; By applying the customer's frequently used payment account information, characterized in that for updating the previously stored payment account information of the customer.

According to another embodiment, the mutually compatible processing method of the deposit account information frequently used between the plurality of non-face-to-face channels, the occurrence of frequently used deposit account information of the customer newly added or changed in the first non-face-to-channel channel, In the first non-face-to-face channel management server that manages the non-face-to-face channel, the newly added or changed customer's frequently used deposit account information is applied to the customer's frequently used deposit account information previously stored on the ledger DB or storage medium. Updating previously stored payment account information of the customer; And managing a non-face-to-face channel connected to the customer when the customer transfers the transaction by connecting to any one of a second non-face-to-face channel to a N-th (N = 2, 3, ... N) face-to-face channel. And extracting frequently used deposit account information of the updated processed customer stored in the ledger DB or storage medium from the non-facing channel management server and providing the same to the customer through a non-facing channel connected to the customer.

Here, when a frequently used deposit account information of a customer newly added or changed in a non-face-to-face channel connected to the customer, frequently used by the newly added or changed customer in a non-face-to-face channel management server managing the non-face-to-face channel The deposit account information is applied to the customer's frequently used deposit account information previously stored on the ledger DB or the storage medium to update the frequently used deposit account information of the customer.

According to the present invention, the first non-facing channel is any one of an internet banking channel, a mobile banking channel, a TV banking channel, an automation device channel, and a phone banking channel, and the second non-facing channel is an internet banking channel. A channel, a mobile banking channel, a TV banking channel, an automation device channel, or any one of a phone banking channel, except for the first non-facing channel, wherein the N-non-facing channel is an Internet banking channel, a mobile banking channel, or a TV. The banking channel, the automation device channel, and the phone banking channel, characterized in that any one except the first to the (N-1) non-facing channel.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing a method of mutually compatible processing of the deposit account information frequently used between the plurality of non-facing channels described above.

Meanwhile, the mutually compatible processing system for deposit account information frequently used among a plurality of non-face-to-face channels according to the present invention includes a customer's frequently used deposit account newly added or changed in any one of the plurality of non-face-to-face channels. Means for updating by applying the newly added or changed frequently used customer's frequently used deposit account information when the information is generated; And means for providing a customer with frequently used deposit account information of the renewed customer through the non-face-to-face channel when the customer connects to any other non-face-to-face channel among the plurality of non-face-to-face channels and transfers the transaction. It is characterized by comprising.

According to the present invention, the plurality of non-facing channels may include at least two Internet banking channels, mobile banking channels, TV banking channels, automation device channels, and phone banking channels.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

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 based on the contents throughout the present title.

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, each means constituting the cash balance relay system according to the present invention is a program (e.g., each means) recorded on a recording medium provided in a predetermined server according to a unique characteristic (or role) defined in the means. A program comprising at least one function unit (Function) for performing a unique function (or role) of the device, and / or configured as an independent server performing a unique function defined in the means (e.g., And a plurality of server systems interoperating with each other through a predetermined server-to-server interface), and the preferred embodiments of the present invention described below may be implemented in order to efficiently describe the technical components constituting the present invention. Through a program (and / or a plurality of servers linked to each other) recorded on a recording medium provided in a predetermined server Would be described as, but are not limited to the exemplary method of the device, if more than the embodiment in no way.

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

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

1 is a diagram illustrating a financial transaction system through at least one financial transaction medium according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates the exchange of wage account information registered through a plurality of different financial transaction media when performing a wire transfer (or wire transfer) transaction using at least one financial transaction medium provided by a predetermined financial institution. Regarding the implementation method of the financial transaction system 100 to be operated, those of ordinary skill in the art to which the present invention pertains refer to and / or modify the drawing 1 and transfer the account using at least one financial transaction medium. (Or remittance transfer), it is possible to infer a variety of financial transaction system 100 for exchanging and operating registered wage account information through a plurality of different financial transaction media, but the present invention can be inferred by all The method is not limited to the financial system 100 shown in FIG.

The financial transaction system 100 according to the present invention includes a financial system 100 for performing a predetermined financial transaction procedure requested from the financial transaction medium in connection with at least one financial transaction medium, and the financial system 100. Financial transaction media including a teller terminal and / or Cash Dispenser (CD) / ATM (Automatic Teller Machine) connected through a predetermined financial network (e.g., our network) 135, and a computer (e.g., a desktop connected to the Internet). Internet banking systems using computers, laptops, etc.), and / or telebanking systems using an ARS (Automatic Response Service) and / or a call terminal connected to a Public Switched Telephone Network (PSTN) and / or a mobile communication network, and / or mobile Wireless Application Protocol (WAP) based wireless banking system using a wireless terminal connected to a communication network, and / or a wireless integrated circuit (IC) chip connected to the mobile communication network IC chip-based wireless banking system using a wireless terminal, and / or a DMB terminal connected to a return channel network (for example, a DMB phone using a wireless network as a return channel and a STB (Set Top Box) using a wired network as a return channel). And at least one financial transaction medium of the TV banking system, etc., wherein each financial transaction medium processes the financial transaction requested from a predetermined customer through the financial system 100.

Referring to FIG. 1, the financial system 100 is a computer system provided in a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Accounting system 110 for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch, and an information system 115 for processing the headquarters business and supporting branch information and managing customer information; Connected to the financial system 100 and an external computer network including homes, businesses, stores and card companies, various electronic financial services (eg, internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges) , An external system 105 for providing a call center, financial settlement, etc., and middleware for providing interfacing between components in the financial system 100. It stores the interface module 120 corresponding to the platform and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. And a database management system (DBMS) 125 including at least one database to be managed, the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) According to the purpose and characteristics of the financial system 100, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Thereby, this invention is not limited.

According to the implementation method of the present invention, a financial institution equipped with the financial system 100 has a predetermined financial account, such as a commercial bank, a savings bank, a securities company, etc. opened and / or operated, and a predetermined electronic bankbook corresponding thereto. Alternatively, it is preferable to include all financial companies that can issue cash cards and / or debit cards, and the like, and are not limited to specific financial institutions.

In addition, the financial system 100 is connected to the Internet banking server, and / or telebanking server, and / or WAP-based wireless banking server, and / or IC chip-based wireless banking server through a predetermined interface means 140, and And / or interworking with a TV banking server, the interface means 140 preferably comprising a predetermined financial network (eg, our network) closed from the outside.

In addition, the DBMS 125 provided in the financial system 100 includes a ledger including at least one of a customer ledger, a reception ledger, a loan ledger, and a mortgage ledger, and at least one information associated with the ledger in a relational manner. Characterized in that the ledger and / or ledger-related information stored in the DBMS 125 is referred to as ledger information for convenience, the storage means for storing the ledger information on the DBMS (125) It is called B.

In addition, the financial system 100 may include at least one or more teller terminals (eg, manned finance terminals used by tellers at each branch of a financial institution) and / or CD / ATM (eg, branches of a financial institution (and / or finance). A financial terminal 130 including an unmanned financial terminal provided at a place affiliated with an institution) and a predetermined financial network (for example, the terminal is a teller terminal) to process a predetermined financial transaction corresponding to the financial account. A financial network including a banking network, and when the financial terminal is a CD / ATM, a financial network including a banking network and / or a CD / ATM network according to a location where the CD / ATM is provided, It is desirable to have.

According to an embodiment of the present invention, an Internet banking system using a computer (eg, a desktop computer, a laptop, etc.) connected to the Internet, and / or a telebanking system using an ARS and a call terminal connected to a public telephone network and / or a mobile communication network, And / or a WAP based wireless banking system using a wireless terminal connected to a mobile communication network, and / or an IC chip based wireless banking system using a wireless terminal connected to the mobile communication network and having a wireless IC chip, and / or a return channel network. A TV banking system using a connected DMB terminal (for example, a DMB phone using a wireless network as a return channel, a STB (Set Top Box) using a wired network as a return channel, etc.) is an external system 105 of the financial system 100. It is preferable that the interworking terminal banking system and / or CD / ATM banking system is linked to the account system 110 of the financial system 100, and / Alternatively, it is possible to interwork with the external system 105 of the financial system 100, and those skilled in the art to which the present invention belongs, the technical features of each of the financial transaction system 100 described above Since it will be clearly understood that detailed description thereof will be omitted for convenience.

According to the present invention, an internet banking system using a computer connected to a predetermined internet includes a client terminal used by at least one or more financial transaction customers, and an internet-based financial transaction interface connected to the client terminal through a predetermined internet to the client terminal. It characterized in that it comprises an Internet banking server that provides, the Internet banking server is linked to the financial system 100 through a predetermined interface means 140 (for example, through the ledger on the financial system 100) Perform at least one financial transaction procedure requested from the client terminal.

According to an embodiment of the present invention, the Internet banking server at least one or more for the account transfer (or transfer) transaction in connection with the client terminal when a request for a predetermined transfer (or transfer) transaction from the client terminal It is preferable to register, store, and manage deposit account information, thereby making it convenient for an account transfer (or remittance transfer) through the Internet banking system, without having to input deposit account information through the stored deposit account information. You will be able to process transfer (or transfer) transactions.

In addition, a telephone terminal connected to a predetermined public telephone network and / or a mobile communication network and a telebanking system using ARS, a landline telephone used by at least one financial transaction customer, and a landline telephone connected to the landline telephone through a predetermined telephone network And a tele-banking server that provides an ARS-based financial transaction interface, and / or a wireless telephone used by at least one financial transaction customer, and is connected to the wireless telephone through a predetermined mobile communication network. It characterized in that it comprises a telebanking server that provides a base financial transaction interface, the telebanking server is linked to the financial system 100 through a predetermined interface means 140 (for example, the financial system 100) Requested from the landline and / or wireless telephone) Even performs one or more financial transaction process.

According to an embodiment of the present invention, the telebanking server may request a wire transfer and / or a wire transfer (or wire transfer) transaction from the wireline and / or wireless telephone, in connection with the wireline and / or wireless telephone. Alternatively, it is preferable to register, store and manage at least one deposit account information for a transaction, thereby making a deposit through the stored deposit account information when performing an account transfer (or remittance transfer) transaction through the telebanking system. It is possible to conveniently handle bank transfer (or wire transfer) transactions without entering account information.

The WAP-based wireless banking system using a wireless terminal connected to a predetermined mobile communication network may include a wireless terminal used by at least one financial transaction customer and a wireless terminal connected to the wireless terminal through a predetermined mobile communication network to the wireless terminal. And a wireless banking server providing a transaction interface, wherein the wireless banking server is linked with the financial system 100 through a predetermined interface means 140 (eg, a ledger on the financial system 100). Through) at least one financial transaction procedure requested from the wireless terminal.

According to an embodiment of the present invention, when the WAP-based wireless banking server requests a predetermined account transfer (or remittance transfer) transaction from the wireless terminal, the WAP-based wireless banking server may be connected to the wireless terminal to perform at least a transaction for the account transfer (or transfer). It is preferable to register, store, and manage one or more deposit account information. Accordingly, when depositing (or remittance) transactions through the WAP-based wireless banking system, the deposit account information is not inputted through the stored deposit account information. It is possible to conveniently handle bank transfer (or wire transfer) transactions.

In addition, an IC chip-based wireless banking system using a wireless terminal having a wireless IC chip connected to a predetermined mobile communication network, the wireless terminal is mounted or detached from the wireless IC chip issued to at least one financial transaction customer, and the wireless And a wireless banking server connected to a terminal through a predetermined mobile communication network to provide a financial IC chip-based financial transaction interface with the wireless terminal, wherein the wireless banking server is connected through a predetermined interface means 140. Interoperate with the financial system 100 (eg, via the ledger on the financial system 100) to perform at least one financial transaction procedure requested from the wireless terminal.

According to an embodiment of the present invention, the IC chip-based wireless banking server, when requesting a predetermined account transfer (or remittance transfer) transaction from the wireless terminal, for the account transfer (or remittance transfer) transaction in connection with the wireless terminal It is desirable to register, store and manage at least one deposit account information, and / or to register, store and manage at least one deposit account information for the wire transfer (or wire transfer) transaction on the IC chip. By doing so, when the bank transfer (or transfer) transaction through the IC chip-based wireless banking system, the bank transfer (or transfer) transaction is conveniently handled without inputting the deposit account information through the stored deposit account information. You can do it.

In addition, the TV banking system using a DMB terminal connected to a predetermined return channel network, the DMB terminal used by at least one financial transaction customer, and the DMB terminal and the predetermined channel is connected to the DMB terminal based on the return channel And a TV banking server that provides a financial transaction interface, wherein the TV banking server is linked to the financial system 100 through a predetermined interface means 140 (eg, on the financial system 100). Perform at least one financial transaction procedure requested from the DMB terminal).

According to an embodiment of the present invention, the TV banking server requests at least one bank transfer (or wire transfer) transaction from the DMB terminal, at least one or more deposits for the account transfer (or transfer transfer) transaction in connection with the DMB terminal. It is desirable to register, store and manage account information, and / or at least one or more for the transfer (or transfer) transaction to a predetermined IC card (or IC chip) mounted on or detached from the DMB terminal. It is preferable to register, store, and manage deposit account information. Accordingly, when making an account transfer (or remittance transfer) transaction through the TV banking system, the account is conveniently stored without inputting the deposit account information through the stored deposit account information. You will be able to process transfer (or transfer) transactions.

Hereinafter, the deposit account information registered in the Internet banking system may be used as a terminal terminal banking system, and / or a CD / ATM banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or an IC chip based wireless. An embodiment of exchanging and sharing with a banking system and / or a TV banking system, and / or depositing account information registered through the teller terminal and / or CD / ATM, an internet banking system, and / or a telebanking system, And / or at least one financial transaction medium provided by a financial institution through an embodiment of exchanging and sharing with a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system. Method and system for mutually exchanging and operating payroll account information registered through a plurality of different financial transaction media when using a wire transfer (or wire transfer) transaction For a server (or device) will be described with illustrated.

However, the technical features of the present invention are not limited to the case of the embodiment shown below, the present invention is the deposit account information registered in the telebanking system, the window terminal banking system, and / or CD / ATM banking system, and And / or exchange and share with an Internet banking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system, and / or register with the WAP-based wireless banking system. The deposited account information into a teller terminal banking system, and / or a CD / ATM banking system, and / or an internet banking system, and / or a telebanking system, and / or an IC chip based wireless banking system, and / or a TV banking system. Exchange and share, and / or deposit account information registered in the IC chip-based wireless banking system to the terminal terminal banking system, and / or the CD / ATM banking system. , And / or exchange and operate with an Internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a TV banking system, and / or a deposit account registered with the TV banking system. Exchanging information with a teller terminal banking system, and / or a CD / ATM banking system, and / or an internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking system. And sharing and operating.

However, if the person skilled in the art to which the present invention pertains, the deposit account information registered in the Internet banking system shown below, the terminal terminal banking system, and / or CD / ATM banking system, and / or tele banking system And / or embodiments that exchange and share with WAP-based wireless banking systems, and / or IC chip-based wireless banking systems, and / or TV banking systems, and / or through a teller terminal and / or CD / ATM. Embodiment of exchanging and sharing the deposited account information with an internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system By referring to and / or modifying, the deposit account information registered in the telebanking system may be transferred to a teller terminal banking system, and / or a CD / ATM banking system, and / or an internet banking system. A method for exchanging, sharing and operating a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system, and / or deposit account information registered in the WAP-based wireless banking system. And exchange and share with a terminal banking system, and / or a CD / ATM banking system, and / or an internet banking system, and / or a telebanking system, and / or an IC chip based wireless banking system, and / or a TV banking system. Implementation method, and / or deposit account information registered in the IC chip-based wireless banking system, the terminal terminal banking system, and / or CD / ATM banking system, and / or Internet banking system, and / or tele banking system, and / Or a method of exchanging and sharing the same with a WAP-based wireless banking system and / or a TV banking system, and / or deposit account information registered in the TV banking system. Exchange and share with a horse banking system, and / or a CD / ATM banking system, and / or an internet banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or an IC chip based wireless banking system. Since it will be possible to infer a method of operation, each embodiment thereof is omitted for convenience, but the present invention includes all the above-described embodiments, which are not intended to limit the present invention.

2 is a diagram illustrating a system configuration for exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a ledger according to an embodiment of the present invention.

In more detail, FIG. 2 shows a bank terminal banking system, and / or a CD / ATM through a ledger provided on the financial system 100 with predetermined deposit account information registered in the internet banking server 200 on the internet banking system. Exchange and operate with a banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system, and / or a teller terminal and / or CD Internet banking system, and / or telebanking system, and / or WAP-based wireless banking system, and / or IC chip through the ledger provided on the financial system 100 to register the deposit account information registered via / ATM System configuration for exchanging and operating with a base wireless banking system, and / or a TV banking system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to provide deposit account information registered on a telebanking server on the telebanking system on the financial system 100. Through the ledger to the teller terminal banking system, and / or CD / ATM banking system, and / or internet banking system, and / or WAP based wireless banking system, and / or IC chip based wireless banking system, and / or TV banking system. A system for exchange and operation, and / or a window terminal banking system through a ledger provided on the financial system 100 for deposit account information registered in the wireless banking server 200 on the WAP-based wireless banking system, and / Or exchange and operate with CD / ATM banking systems, and / or Internet banking systems, and / or telebanking systems, and / or IC chip based wireless banking systems, and / or TV banking systems. When configuring the system, and / or deposit account information registered in the wireless banking server on the IC chip-based wireless banking system through the ledger provided on the financial system 100, the bank terminal banking system, and / or CD / ATM banking And / or a system configuration for exchanging and operating with an Internet banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or a TV banking system, and / or a TV banking server on the TV banking system. The bank account system, and / or the CD / ATM banking system, and / or the Internet banking system, and / or the telebanking system, through the ledger provided on the financial system 100, the deposit account information registered in the Alternatively, various implementation methods for a system configuration for exchanging and operating with a WAP-based wireless banking system and / or an IC chip-based wireless banking system may be inferred. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2, the Internet banking server 200 on the Internet banking system may include at least one deposit account information input from the client terminal when at least one client terminal performs a wire transfer (or wire transfer) transaction through Internet banking. It is preferable that the storage medium for storing the deposit account information is stored in association with the customer information (and / or customer account information) corresponding to the client terminal.

However, in FIG. 2, for convenience, the deposit account information is shown to be stored in association with customer information, but the present invention is not limited thereto.

The deposit account information, when inputting the payment account information for a predetermined account transfer (or remittance transfer) transaction from the client terminal, approves whether to store a predetermined customer approval procedure (for example, the deposit account information input from the client terminal) Requesting procedure) and register and store in the storage medium, and then transfer the account (or transfer money) to the same deposit account in the client terminal, and transfer the account (or transfer money) through the registered and stored payment account information. The transaction can be processed conveniently.

Those skilled in the art to which the present invention pertains, with reference to FIG. 2, input from the wired telephone and / or the wireless telephone to a predetermined storage medium provided in the telebanking server on the telebanking system (e.g., Storing and operating the predetermined deposit account information (in the form of Dual Tone Multi-Frequency (DTMF)), and / or the storage medium provided in the wireless banking server on the WAP-based wireless banking system. Store and operate predetermined deposit account information input from the wireless terminal, and / or transfer predetermined deposit account information input from the wireless terminal to a predetermined storage medium provided in a wireless banking server on the IC chip-based wireless banking system. Stored and operated, and / or inputted from the DMB terminal to a predetermined storage medium provided in a TV banking server on the TV banking system. Although an implementation method for storing and operating predetermined deposit account information may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to a preferred embodiment of the present invention, the Internet banking server 200 on the Internet banking system through the ledger provided on the financial system 100 the deposit account information stored in the storage medium For exchange with a terminal banking system, and / or a CD / ATM banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or an IC chip based wireless banking system, and / or a TV banking system, It is provided to the financial system 100 through a predetermined interface means 140.

According to an embodiment of the present invention, a method of providing the deposit account information from the Internet banking server 200 on the Internet banking system to the financial system 100 may include the interface means 140 in the financial system 100. It is preferable to periodically request the at least one or more deposit account information newly registered to the Internet banking server 200, and to extract at least one or more deposit account information from the Internet banking server 200.

According to another embodiment of the present invention, a method for providing the deposit account information from the Internet banking server 200 on the Internet banking system to the financial system 100 may include inputting new deposit account information from the client terminal. When newly registered and / or stored in a storage medium provided in the internet banking server 200, the banking system 200 receives the newly registered deposit account information through a predetermined interface means 140. 100).

For those of ordinary skill in the art to which the present invention pertains, an implementation method of providing deposit account information registered on the telebanking system to the financial system 100 with reference to FIG. 2, and / or WAP An implementation method of providing the deposit account information registered on the base wireless banking system to the financial system 100, and / or Providing the deposit account information registered on the IC chip based wireless banking system to the financial system 100. The implementation method and / or the implementation method of providing the depositing account information registered on the TV banking system to the financial system 100 may be inferred, but the present invention includes all the execution methods inferred, It is not limited only to the implementation method shown in 2.

Referring to FIG. 2 according to another preferred embodiment of the present invention, the deposit account information registered via the teller terminal and / or CD / ATM may be an Internet banking system and / or a telebanking system, and / or a WAP-based radio. In order to exchange with a banking system, and / or an IC chip based wireless banking system, and / or a TV banking system, a predetermined interface means 140 is provided to the financial system 100.

According to an exemplary embodiment of the present invention, a method of providing the deposit account information from the teller terminal and / or the CD / ATM to the financial system 100 may include new deposit account information from the teller terminal and / or the CD / ATM. When the transfer is made through the financial system 100 and the transfer (or transfer) transaction is performed, the deposit account information input for the transfer (or transfer) transaction at the counter terminal and / or CD / ATM is predetermined. It is preferable to transmit to the financial system 100 through the interface means 140.

According to another exemplary embodiment of the present invention, a method of providing the deposit account information from the teller terminal and / or the CD / ATM to the financial system 100 may include new deposit account information from the teller terminal and / or the CD / ATM. Is entered to make a wire transfer (or wire transfer) transaction through the financial system 100, the bank transfer (or wire transfer) transaction requested from the teller terminal and / or CD / ATM in the financial system 100 It is preferable to extract the deposit account information corresponding to.

Thereafter, the financial system 100 stores the deposit account information provided from the Internet banking server 200 in association with the ledger of the financial transaction customer.

According to an exemplary embodiment of the present invention, an implementation method of storing the deposit account information in association with the ledger in the financial system 100 may be performed on the ledger D / B 125 provided in the financial system 100. The deposit account information is added to the ledger (eg, the customer ledger of a financial transaction customer, and / or a reception ledger associated with the customer ledger), and / or stored in association with the ledger information and the deposit account information. It is desirable to.

According to another exemplary embodiment of the present invention, in the financial system 100, the method of storing the deposit account information in association with the ledger may be stored in a predetermined storage medium provided in the financial system 100. Store the deposit account information, and the deposit account information stored in the storage medium stored in the ledger D / B 125 (eg, the customer ledger of the financial transaction customer, and / or the reception ledger associated with the customer ledger, etc.) It is preferable to process in conjunction with.

Thereafter, the deposit account information stored in connection with the ledger on the financial system 100 is stored in a window terminal banking system, and / or a CD / ATM banking system that accesses the ledger in a predetermined financial transaction process, and / or internet banking. Systems, and / or telebanking systems, and / or WAP-based wireless banking systems, and / or IC chip-based wireless banking systems, and / or TV banking systems.

According to the implementation method of the present invention, the deposit account information linked to the ledger is connected to the teller terminal banking system, and / or the CD / ATM banking system, and / or the Internet banking system, and / or the telebanking system, and / or Before and / or while the WAP-based wireless banking system, and / or the IC chip-based wireless banking system, and / or the TV banking system perform a predetermined financial transaction procedure in conjunction with the financial system 100, and And / or after performing, the teller terminal banking system, and / or the CD / ATM banking system, and / or the internet banking system, and / or the telebanking system, in the financial system 100 via the interface means 140. And / or WAP based wireless banking system, and / or IC chip based wireless banking system, and / or TV banking system.

3A and 3B illustrate an information structure in which deposit account information is linked to a ledger on a financial system 100 according to an embodiment of the present invention.

3a and 3b show at least one ledger included in the ledger D / B 205 provided in the DBMS 125 on the financial system 100 shown in FIGS. 1 and / or 3 above. Or an information structure in which deposit account information for exchange of deposit account information between financial transaction media according to the present invention is stored in connection with predetermined information associated with the ledger, and specifically, FIG. 3a illustrates the ledger D / B. (205) relates to an implementation method in which predetermined deposit account information for providing an account transfer (or remittance transfer) transaction according to the present invention to the customer ledger of (205) is connected. The present invention relates to an implementation method in which predetermined deposit account information for providing an account transfer (or remittance transfer) transaction according to the present invention is linked to a reception ledger associated with a customer ledger (hereinafter referred to as "account ledger").

Those skilled in the art to which the present invention pertains, the ledger D / B (205) provided in the DBMS 125 on the financial system 100, the customer ledger and account shown in Figures 3a and 3b It will be apparent that in addition to the ledger, there is further included at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers, In addition, it will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

In addition, if the person of ordinary skill in the art to which the present invention belongs, reference to and / or modify the present drawings 3a and 3b within the scope not to violate the core technical matters of the present invention transfer account according to the present invention (Or remittance transfer) It may be inferred various implementation methods for providing a transaction, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

Referring to Figures 3a and 3b, the customer ledger is a CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name , Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

Referring to FIG. 3A, a list of deposit account information including at least one deposit account number and / or deposit account alias and / or deposit bank in the customer ledger to provide an account transfer (or wire transfer) transaction in accordance with the present invention. Characterized in that for storing the linkage process.

According to the method of the present invention, the deposit account number and the deposit bank of the deposit account information is preferably processed in the form of a number of letters, the deposit account alias of the deposit account information, as well as the number of letters, a predetermined English / Korean It is preferable to be processed through a character (for example, a character based on an English ASCII code and / or a Korean KSC5601 code).

When registering, adding, and updating the deposit account information, when a terminal device (for example, CD / ATM) that registers the deposit account information has a limited character input function, the deposit account alias of the deposit account information Is omitted and stored in association with the customer ledger of the ledger D / B 205, and / or the name of the financial instrument corresponding to the deposit account is established by opening the deposit account, and / or If the deposit account is opened in the other line but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network 130, the deposit account alias of the deposit account information is stored in the deposit account. It can be automatically processed with the corresponding financial product name, whereby the present invention is not limited.

In addition, even if the terminal device for registering the deposit account information is not limited in the character input function, in order to easily process the deposit account alias registration of the deposit account information, the deposit account alias of the deposit account information is omitted, and / Or it may be automatically processed with a financial product name corresponding to the deposit account, thereby the present invention is not limited.

According to one embodiment of the invention, the deposit account information is preferably extracted from the Internet banking system and stored in association with the customer ledger of the ledger D / B (205), the deposit account information in the Internet banking system In the case of newly registering, adding, updating, and deleting, it is preferable that the deposit account information linked to the customer ledger is also newly registered, added, updated, and deleted.

In addition, the deposit account information processed in connection with the customer ledger of the ledger D / B 205 through the Internet banking system, the teller terminal banking system, and / or CD / ATM banking system, and / or the Internet banking system It is possible to be added, updated and deleted via at least one banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or a wireless IC chip based wireless banking system, and / or a TV banking system. The present invention is not limited thereto.

According to another embodiment of the present invention, the deposit account information is registered through the teller terminal at the request of the customer at the time of the account transfer (or remittance transfer) transaction using the teller terminal of the ledger D / B (205) Preferably, it is stored in connection with the customer ledger, and the deposit account information linked to the customer ledger of the ledger D / B 205 through the teller terminal is the teller terminal banking system and / or CD / ATM banking. Addition through at least one banking system of the system, the Internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system, It is possible to update and delete, and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the deposit account information is registered through a predetermined customer confirmation procedure when performing an account transfer (or remittance transfer) transaction using a CD / ATM and is a customer of the ledger D / B 205. It is preferable to store the information linked to the ledger, and the deposit account information linked to the customer ledger of the ledger D / B 205 through the CD / ATM is the counter terminal banking system and / or the CD / ATM banking. Addition through at least one banking system of the system, the Internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system, It is possible to update and delete, and the present invention is not limited thereby.

In the case where the deposit account information is linked to and stored in the customer ledger of the ledger D / B 205 through the CD / ATM, the CD / ATM is limited in character input, so the deposit of the deposit account information is carried out. The account alias may be omitted once, and may be stored in association with the customer ledger of the ledger D / B 205. Then, the deposit account alias of the deposit account information may be a letter terminal banking system capable of text input, and / Or the deposit account via at least one banking system of the internet banking system, and / or a telebanking system, and / or a WAP based wireless banking system, and / or a wireless IC chip based wireless banking system, and / or a TV banking system. It is possible for aliases to be added, changed and deleted.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

In the case of storing and storing the deposit account information in the customer ledger of the ledger D / B 205 through the CD / ATM, the name of the financial product corresponding to the deposit account is established by opening the deposit account. Or / or if the deposit account is opened in another line but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network 135, The deposit account alias may be automatically processed with a financial product name corresponding to the deposit account, and then the deposit account alias of the deposit account information may be the window terminal banking system, and / or the internet banking system capable of text entry, and / or At least one of a telebanking system, and / or a WAP based wireless banking system, and / or a wireless IC chip based wireless banking system, and / or a TV banking system It is possible to add, change and delete the deposit account alias through the banking system on the bank.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

According to another embodiment of the present invention, the deposit account information is at least one or more of a telebanking system, and / or WAP-based wireless banking system, and / or wireless IC chip-based wireless banking system, and / or TV banking system When using the bank transfer (or wire transfer) transaction, it is preferable to register through a predetermined customer verification process and process the transaction with the customer ledger of the ledger D / B 205 and store any one or more of the banking systems. Deposit account information processed in connection with the customer ledger of the ledger D / B (205) through, the teller terminal banking system, and / or CD / ATM banking system, the Internet banking system, and / or telebanking system, and / Or is added, updated and deleted through at least one banking system of a WAP based wireless banking system, and / or a wireless IC chip based wireless banking system, and / or a TV banking system. The present invention is not limited thereto.

3b, at least one deposit account number and / or deposit account alias and / or deposit bank is included in an account ledger associated with the customer ledger to provide an account transfer (or wire transfer) transaction according to the present invention. It characterized in that the deposit account information to be processed in association with the list.

According to the method of the present invention, the deposit account number and the deposit bank of the deposit account information is preferably processed in the form of a number of letters, the deposit account alias of the deposit account information, as well as the number of letters, a predetermined English / Korean It is preferable to be processed through a character (for example, a character based on an English ASCII code and / or a Korean KSC5601 code).

When registering, adding, and updating the deposit account information, when a terminal device (for example, CD / ATM) that registers the deposit account information has a limited character input function, the deposit account alias of the deposit account information Is omitted and stored in association with the account ledger associated with the customer ledger of the ledger D / B, and / or the financial product name corresponding to the deposit account can be confirmed by opening the deposit account. / Or the deposit account is opened in the other party, but if the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network 135, the deposit account alias of the deposit account information is the deposit It may be automatically processed with a financial product name corresponding to the account, whereby the present invention is not limited.

In addition, even if the terminal device for registering the deposit account information is not limited in the character input function, in order to easily process the deposit account alias registration of the deposit account information, the deposit account alias of the deposit account information is omitted, and / Or it may be automatically processed with a financial product name corresponding to the deposit account, thereby the present invention is not limited.

According to one embodiment of the invention, the deposit account information is preferably extracted from the Internet banking system and stored in association with the account ledger associated with the customer ledger of the ledger D / B (205), the Internet banking system In the case of newly registering, adding, updating and deleting the deposit account information, it is preferable that the deposit account information linked to the account ledger associated with the customer ledger is also newly registered, added, updated and deleted.

In addition, the deposit account information linked to the account ledger linked to the customer ledger of the ledger D / B 205 through the Internet banking system, the teller terminal banking system, and / or CD / ATM banking system, and / Or through the banking system of at least one of the Internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. And it can be deleted, by which the present invention is not limited.

According to another embodiment of the present invention, the deposit account information is registered through the teller terminal at the request of the customer at the time of the account transfer (or remittance transfer) transaction using the teller terminal of the ledger D / B (205) It is preferable to be stored in connection with the account ledger associated with the customer ledger, the deposit account information linked to the account ledger associated with the customer ledger of the ledger D / B 205 through the teller terminal, the teller terminal Banking systems, and / or CD / ATM banking systems, the Internet banking systems, and / or telebanking systems, and / or WAP based wireless banking systems, and / or wireless IC chip based wireless banking systems, and / or TV banking systems It is possible to be added, updated and deleted through at least one of the banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the deposit account information is registered through a predetermined customer confirmation procedure when performing an account transfer (or remittance transfer) transaction using a CD / ATM and is a customer of the ledger D / B 205. It is preferable that the processing is stored in connection with the ledger linked to the ledger, and the deposit account information linked to the ledger linked to the customer ledger of the ledger D / B 205 through the CD / ATM is the counter terminal. Banking systems, and / or CD / ATM banking systems, the Internet banking systems, and / or telebanking systems, and / or WAP based wireless banking systems, and / or wireless IC chip based wireless banking systems, and / or TV banking systems It is possible to be added, updated and deleted through at least one of the banking system, whereby the present invention is not limited.

In the case where the deposit account information is linked to and stored in the account ledger associated with the customer ledger of the ledger D / B 205 through the CD / ATM, the CD / ATM is limited in character input. After the payment account alias of the deposit account information is omitted, it may be stored and processed in connection with the account ledger associated with the customer ledger of the ledger D / B 205, after which the deposit account alias of the deposit account information may be entered. The said terminal terminal banking system, and / or said internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is possible for the deposit account alias to be added, changed and deleted through at least one banking system.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

In the case of storing and storing the deposit account information in the account ledger associated with the customer ledger of the ledger D / B 205 through the CD / ATM, the deposit account is opened in the bank so that the deposit account is opened. If the financial product name corresponding to the bank account name can be confirmed, and / or if the deposit account is opened in another party, but the CD / ATM can identify the financial product name corresponding to the deposit account through a predetermined financial common network, the deposit account The deposit account alias of the information may be automatically processed into a financial product name corresponding to the deposit account, and then the deposit account alias of the deposit account information may be the window terminal banking system, and / or the Internet banking system capable of text entry, and And / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is possible for the deposit account alias to be added, changed and deleted through at least one banking system.

If the CD / ATM provides a text input function, the deposit account alias of the deposit account information may not be omitted.

According to another embodiment of the present invention, the deposit account information is at least one or more of a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or TV banking system When making a bank transfer (or wire transfer) transaction through a banking system, it is preferable to register a predetermined customer verification procedure and process the transaction with the account ledger associated with the customer ledger of the ledger D / B 205. Deposit account information processed in connection with the account ledger associated with the customer ledger of the ledger D / B 205 through any one or more banking system of the banking system, the window terminal banking system, and / or CD / ATM banking system, One of the Internet banking system, and / or a telebanking system, and / or a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is also possible to be added, updated and deleted through one or more banking systems, thereby not limiting the invention.

4A and 4B illustrate an information structure in which customer information (or customer account information) and deposit account information are linked to a storage medium 400 on the financial system 100 according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show predetermined customer information (or a customer account) in a predetermined storage medium 400 provided in the DBMS 125 on the financial system 100 shown in FIGS. 1 and / or 3. Information) and an information structure in which predetermined deposit account information for exchange of payment account information according to the present invention according to the present invention is stored in a cooperative manner, and specifically, FIG. 4A shows the ledger D / B ( 205) relates to an implementation method in which the customer information corresponding to the customer ledger of 205 and the deposit account information for providing an account transfer (or wire transfer) transaction according to the present invention are cooperatively processed, and FIG. 4b shows the ledger D / B (205). It relates to an implementation method in which the customer account information corresponding to the account ledger of) and the deposit account information for providing an account transfer (or remittance transfer) transaction according to the present invention.

4A and 4B illustrate that it is not easy to link the deposit account information to the ledger information of the ledger D / B 205 provided in the DBMS 125 on the financial system 100 shown in FIG. (For example, when it is not easy to change the ledger D / B 205 of the DBMS 125 due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system 100), the ledger D / B Instead of (205), a method of providing the same effect as the process of linking the deposit account information to the ledger information of the ledger D / B (205) as shown in Figures 3a and 3b through a predetermined storage medium 400 It is about.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 4a and 4b without departing from the core technical matters of the present invention and / or transfer the account according to the present invention (or It is possible to infer various implementation methods for providing a transfer transfer) transaction, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 4A and 4B.

In addition, the storage medium 400 shown in FIGS. 4A and 4B is a storage medium on the Internet banking system, and / or a storage medium on a telebanking system, and / or a storage medium on a WAP-based wireless banking system, and / or The storage medium on the IC chip-based wireless banking system, and / or the storage medium information on the TV banking system.

Referring to Figure 4a, the storage medium 400 is characterized in that the predetermined customer information and the deposit account information is stored in association, the customer information is a customer provided in the ledger D / B (205) It is preferable to correspond to the ledger.

In FIG. 4A, the customer information stored in the storage medium 400 may include personal information such as a depositor's name, social security number, address, mobile phone number, e-mail address, and the like. It is preferable to include a deposit account number, a deposit account alias, and / or a deposit bank.

According to another embodiment of the present invention, when the ledger D / B 205 of the DBMS 125 and the storage medium 400 according to the present invention are linked, the customer information shown in FIG. 4A may be omitted. In this case, the deposit account information stored in the storage medium 400 may be linked to the customer ledger of the ledger D / B 205 in a relational manner, and the present invention is not limited thereto.

Referring to FIG. 4B, the storage medium 400 stores predetermined customer account information and deposit account information in association with each other, and the customer account information is provided in the ledger D / B 205. It is preferable to correspond to a predetermined account ledger.

In FIG. 4B, the customer account information stored in the storage medium 400 may include financial account information such as an account holder name, an account number, a branch, an account balance, and the like. It is preferable to include a deposit account number, a deposit account alias, and / or a deposit bank.

According to another embodiment of the present invention, when the ledger D / B 205 of the DBMS 125 and the storage medium 400 according to the present invention are linked, the customer account information shown in FIG. 4B may be omitted. In this case, the deposit account information stored in the storage medium 400 may be linked to the account ledger of the ledger D / B 205 in a relational manner, and the present invention is not limited thereto.

Hereinafter, the technical features of the present invention will be described based on an embodiment in which predetermined deposit account information is linked to the ledger information as illustrated in FIGS. 3A and / or 3B.

However, the technical features of the present invention are not limited to that the deposit account information is processed in association with the ledger information, and as shown in FIG. 4A and / or FIG. 4B, the deposit account information may be stored in a predetermined storage medium ( 400 may be stored in association with the customer information and / or customer account information.

5 is a diagram showing a preferred configuration of the Internet banking system for exchanging payment account information through the ledger according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a DBMS 125 of the financial system 100 in a predetermined Internet banking server 200 based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based network (eg, the Internet). DBMS 125 of the financial system 100 to deposit the account information provided in the Internet banking system that provides the Internet banking service to at least one client terminal 535 based on the ledger information of the ledger D / B 205 provided in the As an embodiment of the present invention, the Internet banking system includes at least one client terminal 535 having a web browser, and at least one or more of the above. Internet banking server 200 for providing an Internet banking service to the client terminal 535, the Internet banking server 200 is provided through a predetermined interface means 140 To provide Internet banking services are associated with the financial system (100) for processing the necessary financial services.

Those skilled in the art to which the present invention pertains, since the Internet banking system shown in FIG. 5 does not include the core technical matters of the present invention, components that are omitted for convenience (for example, the accredited certificate authentication procedure). It is possible to easily guess the authentication server to perform, but the present invention is not limited by the omitted components.

The client terminal 535 has at least one web browser for accessing the internet banking server 200 and receiving a browsing-based wired web service based on the wired communication function based on TCP / IP and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook.

The internet banking server 200 stores a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal 535, and / or Or a DBMS 530 including a database for storing Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system 100, or the DBMS 530 according to an implementation method. It is characterized in that the interworking with the data server, thereby providing a predetermined Internet banking service to at least one or more of the client terminal (535).

According to an embodiment of the present invention, the Internet banking information may be obtained when at least one or more client terminals 535 accesses and logs in the Internet banking server 200, after confirming a customer corresponding to the client terminal 535. Banking element information required to receive at least one financial transaction-related information from the client terminal 535, and / or to access the ledger information corresponding to the customer with reference to the DBMS 125 on the financial system 100; Preferably, at least one deposit account information registered from at least one client terminal 535 while providing the Internet banking service, at least one or more information required for Internet banking may be further included according to the intention of the skilled person. However, in FIG. 5, this is omitted for convenience.

Referring to FIG. 5, the Internet banking server 200 connects a Hyper-Text Transfer Protocol (HTTP) -based communication channel 540 for providing a predetermined Internet banking service to at least one or more client terminals 535. A web page management unit 500 for managing a web page to be provided to the at least one client terminal 535 in connection with the web interface unit 525 to manage, the web interface unit 525 and the DBMS 530. And a UI processing unit 520 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal 535 in cooperation with the webpage operation unit 500, The predetermined content for providing the Internet banking service is extracted from the DBMS 530 in cooperation with the UI processing unit 520, or from the client terminal 535 to the DBMS 530. And a content operation unit 505 for receiving predetermined content to be stored, and internet banking based on HTTP between the client terminal 535 and the internet banking server 200 by the function configuration. A communication channel 540 and a user interface for processing are implemented.

In addition, the internet banking server 200 interoperates with the webpage operation unit 500 through the UI processing unit 520 based on the internet banking information to display at least one interface screen related to financial transactions to at least one client terminal 535. The banking processor 510 may be provided or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 200 refers to the financial system 100 through a predetermined interface means 140, at least one or more ledger information for providing an Internet banking service to the customer corresponding to the client terminal 535 Ledger processing unit for receiving a financial transaction by providing the financial transaction information provided from the client terminal 535 through the banking processing unit 510 to the financial system 100 through the interface means 140 ( 515), the ledger processing unit 515 is preferably connected to the external system 105 of the financial system 100 through the interface means 140.

When the banking processing unit 510 confirms the validity of the customer corresponding to the client terminal 535 accessing the internet banking server 200 (eg, when the customer is authenticated based on the certificate), the ledger processing unit 515 provides the customer information to the external system 105 of the financial system 100 through the interface means 140, and the internet banking unit 545 of the external system 105 (eg, the financial system). The ledger server interworking with the Internet banking server 200 on 100 receives the predetermined ledger information including financial account information corresponding to the customer from the ledger D / B 205 provided in the DBMS 125. It is provided to the ledger processing unit 515.

Thereafter, the ledger processing unit 515 provides the financial account information to the banking processing unit 510, and the banking processing unit 510 is linked with the webpage operation unit 500 through the UI processing unit 520. By providing the financial account information on the Internet banking user interface screen to the client terminal 535, a financial transaction information input interface for processing a predetermined financial transaction is provided.

In addition, valid financial transaction information (eg, financial transaction information validated through an authentication certificate and / or a security card) is input from the client terminal 535 through the Internet banking user interface screen, and the banking processor 510 is input. ), The banking processing unit 510 provides the financial account information and the financial transaction information of the customer to the ledger processing unit 515, and the ledger processing unit 515 provides the financial account information and the financial transaction information. The foreign system 105 of the financial system 100 is provided.

Thereafter, the Internet banking unit 545 of the external system 105 (for example, a ledger server interworking with the Internet banking server 200 on the financial system 100) may include a ledger D / B provided in the DBMS 125. And process the financial transaction corresponding to the financial transaction information in correspondence with the financial account, and provide the ledger processing unit 515 with a predetermined financial transaction history including the financial transaction processing result. The processing unit 515 provides the financial transaction details to the banking processing unit 510, and the banking processing unit 510 is interlocked with the webpage operation unit 500 through the UI processing unit 520 to the client terminal 535. ) Provides the financial transaction details.

Referring to FIG. 5, the financial system 100 accesses the DBMS 125 on the Internet banking system through the interface means 140 and is provided and stored from a predetermined client terminal 535 used by the financial transaction customer. Information registration including an information extraction unit 555 for extracting at least one deposit account information, and an information storage unit 560 for storing the extracted deposit account information in association with the ledger information corresponding to the financial transaction customer. The server 550 is provided, and the deposit account information of a specific customer previously stored in the Internet banking system by the information registration server 550 is ledger D / B (205) on the financial system 100 Is transferred to).

According to another exemplary embodiment of the present invention, the information storage unit 560 stores the deposit account information extracted from the Internet banking system in association with the customer information corresponding to the financial transaction customer and stores them in a predetermined storage medium 400. Alternatively, and / or the extracted payment account information may be stored in a predetermined storage medium 400 in association with the customer account information of the financial transaction customer, and thus the present invention is not limited thereto.

6 is a diagram illustrating a process of transferring and registering deposit account information registered in the Internet banking system through the ledger to the ledger D / B 205 on the financial system 100 according to an embodiment of the present invention.

In more detail, in FIG. 6, in the Internet banking system and the financial system 100 shown in FIG. 5, the information registration server 550 periodically checks the DBMS of the Internet banking system through the interface means 140. 125) extracts the deposit account information corresponding to a specific financial transaction customer, and stores the extracted deposit account information in association with the ledger information corresponding to the financial transaction customer for storage, Those skilled in the art may refer to and / or modify this drawing 6 to transfer the deposit account information previously registered in the Internet banking system to the ledger D / B 205 on the financial system 100. Although various implementation methods may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG. No.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to transfer the deposit account information newly registered in the Internet banking system to the financial system 100 to provide the financial information. It may be inferred how to transfer to ledger D / B 205 on system 100.

Hereinafter, in FIG. 6, the information registration server 550 shown in FIG. 5 is referred to as a "server" for convenience.

Referring to FIG. 6, the server 550 extracts deposit account information for a specific financial transaction customer from the Internet banking system, and confirms whether to perform an information registration procedure for storing the transaction information in association with the ledger information of the financial transaction customer. 500.

According to an exemplary embodiment of the present invention, the information registration procedure is based on the deposit account information registration policy of the financial system 100 at least one or more customer-specific deposit account information previously registered in the Internet banking server 200 It is preferable to transfer and register the system 100. In this case, at least one customer-specific deposit account information previously registered in the Internet banking system is collectively transferred to the financial system 100.

According to another exemplary embodiment of the present invention, the information registration procedure is to transfer the payment account information corresponding to the financial transaction customer to the financial system 100 when a predetermined financial transaction customer makes a financial transaction through the Internet banking system. It is desirable to register by registering.

If the check result is confirmed to transfer and register the payment account information for a specific financial transaction customer from the Internet banking system to the financial system 100 (505), the server 550 is ledger on the financial system 100 The information registration target ledger information (for example, a customer ledger corresponding to a financial transaction customer) is extracted from the D / B 205, and the DBMS 125 of the Internet banking system is accessed based on the ledger information. The deposit account information registered in correspondence with the financial transaction customer is extracted from the internet banking information registered in the internet banking system (515), and the extracted deposit account information is used for the ledger information (for example, a customer corresponding to the financial transaction customer). Ledger, and / or the account ledger associated with the customer ledger) and stored in step 520.

According to another embodiment of the present invention, the server 550 stores the deposit account information extracted from the Internet banking system in association with the customer information corresponding to the financial transaction customer and stores it in a predetermined storage medium, and / Alternatively, the extracted deposit account information may be stored in a predetermined storage medium in association with the customer account information of the financial transaction customer, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the deposit account information stored in association with the ledger information is stored in the teller terminal banking system, and / or the CD / ATM banking system, the Internet banking system, and / or the telebanking system, and / or The DBMS 125 performs a predetermined financial transaction in connection with the financial system 100 in at least one banking system of a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is desirable to be extracted from the banking system provided by the banking system, whereby the deposit account information between a plurality of different financial transaction media is exchanged and shared.

7 is a view showing a preferred configuration of the teller terminal and / or CD / ATM system for the exchange of payment account information through the ledger according to another embodiment of the present invention.

In more detail, in FIG. 7, a predetermined financial terminal and the financial system 100 interoperate with each other to perform a predetermined account transfer (or remittance transfer) transaction procedure, and exchange deposit account information with another banking system through the ledger. And / or to perform a method of storing, in association with the ledger information corresponding to the financial transaction, predetermined deposit account information used in the bank transfer (or wire transfer) in the financial system 100 for sharing. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 7 to transfer the account (or transfer) in the financial system 100 in the course of the transfer (or transfer) transaction. It is possible to infer various system configurations for storing and depositing predetermined deposit account information used in the above) with ledger information corresponding to the financial transaction. I, the present invention includes all configurations in which the inference system, not limited to the system configuration shown in the figure 7.

Hereinafter, in order to effectively explain the technical features of the present invention, the predetermined financial terminal and / or the Internet banking system and / or the telebanking system and / or the wireless banking system, etc., on the financial system 100 will be described. A component that performs a financial transaction procedure and also performs a deposit account information provision and registration function according to the present invention is referred to as a "ledger server 700" for convenience, and the ledger server 700 may be referred to as the financial terminal 130. It is preferable to perform the function of adding, changing, and deleting the deposit account information in cooperation with an internet banking system and / or a telebanking system and / or a wireless banking system.

That is, the ledger server 700 may be at least one server (or device) that performs financial transactions and / or deposit account information provision and registration functions according to the present invention on the financial system 100, and / or It may be a program, whereby the present invention is not limited.

For example, the functional configuration associated with a predetermined teller terminal in the ledger server 700 corresponds to the current part of the foreign system 105 provided in the financial system 100, the CD / ATM in the ledger server 700 The functional configuration associated with the correspond to the CD / ATM unit of the external system 105 provided in the financial system 100, and the functional configuration linked to the Internet banking system in the ledger server 700 is the financial system 100 Corresponding to the Internet banking unit 545 of the foreign system 105 provided in the, and the functional configuration of the telebanking system linked to the ledger server 700 is a telescopic of the external system 105 provided in the financial system 100 Corresponding to the banking unit, and the functional configuration associated with the WAP-based wireless banking system and / or wireless IC chip-based wireless banking system in the ledger server 700 is the wireless of the external system 105 provided in the financial system 100 Corresponds to the banking unit.

In addition, a function configuration for processing a predetermined financial transaction in the ledger server 700 corresponds to the account system 110 of the financial system 100, and a function configuration for providing the deposit account information and registration function according to the present invention Corresponds to the information system 115 of the financial system 100.

The deposit account information providing and registration system includes a financial terminal 130 including at least one of a teller terminal used by each branch teller of the financial institution and / or a CD / ATM managed by the financial institution, and on the Internet banking system. Internet banking server 200, and / or a telebanking server on a telebanking system, and / or a wireless banking server on a wireless banking system characterized in that it comprises at least one, the financial terminal 130 and / or the Internet The banking server 200 and / or the telebanking server and / or the wireless banking server correspond to a predetermined financial transaction according to the present invention and / or a financial transaction medium for providing and registering deposit account information according to the present invention.

Those skilled in the art to which the present invention pertains will clearly understand the technical features of the financial transaction medium, and thus the detailed description thereof will be omitted for convenience.

In addition, the deposit account information providing and registration system connects a predetermined communication channel with at least one financial transaction medium, and through the communication channel the predetermined financial transaction with the financial transaction medium and / or deposit account information according to the present invention. And a ledger server 700 that performs a providing and registration function, and a ledger D / B 205 storing ledger information corresponding to a financial account opened to the customer.

Referring to FIG. 7, the ledger server 700 is connected to a financial terminal 130 including a counter terminal and / or a CD / ATM through a predetermined financial network 135 and a predetermined financial transaction and / or according to the present invention. Connecting the communication channel for providing and registering the deposit account information, and / or via the predetermined interface means 140, the Internet banking server 200 on the Internet banking system, and / or the telebanking server on the telebanking system, and / Or an interface unit 740 that connects a wireless banking server on a wireless banking system with a communication channel for providing and registering a predetermined financial transaction and / or deposit account information according to the present invention.

The interface unit 740 is a predetermined financial transaction and / or at least one financial terminal 130 provided at at least one or more branches operated by the financial institution through a predetermined financial network 135 (for example, our network); Or by connecting a predetermined communication channel for providing and registering the deposit account information according to the present invention, and / or via the predetermined interface means 140, the Internet banking server 200 on the Internet banking system, and / or the telebanking system. Connecting a communication channel for providing and registering a predetermined financial transaction and / or deposit account information according to the present invention, and maintaining and managing the connected communication channel with a telebanking server on a network and / or a wireless banking server on a wireless banking system. It is characterized by.

The communication channel connected and managed by the interface unit 740 may include a financial system 100 and a financial terminal 130 and / or an internet banking server 200 and / or a telebanking server and / or provided in the financial institution. A communication channel connected between a financial transaction medium including at least one wireless banking server through a dedicated communication network, and according to an embodiment of the present invention, at least one or more defined between the financial transaction medium and the ledger server 700. Preferably, the transaction protocol includes a transaction protocol for transmitting and receiving at least one telegram corresponding to a financial transaction service. It can be defined and used in various ways according to the platform characteristics constituting the financial system 100, The present invention is not limited by the transaction protocol (and / or specialized structure corresponding to the transaction protocol) adopted by the financial system 100.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

In addition, the ledger server 700 includes at least one of the financial terminal 130 and / or the Internet banking server 200 and / or the telebanking server and / or the wireless banking server through the interface unit 740. An information receiver 710 for receiving a predetermined financial transaction from a financial transaction medium and / or a full text for providing and registering deposit account information according to the present invention, and a financial transaction section 715 for performing a financial transaction procedure corresponding to the full text. ), And when the full text received through the information receiving unit 710 corresponds to an account transfer (or wire transfer), an information extracting unit 720 extracting a deposit account number from the full text message, and based on the deposit account number. An information checking unit 725 for checking whether the deposit account information corresponding to the deposit account number is stored in association with the ledger information in association with the general ledger D / B 205 and the deposit result. When the deposit account information corresponding to the left number is not stored in advance in connection with the ledger information, an information generation unit 730 for generating deposit account information registration request information for each financial transaction medium, and the deposit account information registration. Including the request information in the financial transaction history processed by the financial transaction unit 715, characterized in that it comprises an information transmission unit 705 for transmitting to the financial transaction medium through the interface unit 740, When the deposit account information registration information corresponding to the deposit account information registration request information is received from the financial transaction medium through the information receiving unit 710, the information storage unit 735 for storing and storing the deposit account information in association with the ledger information. It is characterized in that it further comprises a).

The information receiver 710 may include at least one financial terminal 130 and / or an internet banking server 200 and / or a tele banking server and / or a wireless banking server through the interface unit 740. Receiving a full text for providing a predetermined financial transaction and / or deposit account information and registration according to the present invention from a medium, and converts the financial account information and the financial transaction information included in the received full text into the financial transaction unit ( 715).

According to an exemplary embodiment of the present invention, a financial transaction procedure such as an IC card-based financial transaction (eg, a financial transaction using an electronic bankbook provided in the IC card) and / or a financial transaction using a wireless IC chip-based wireless banking is processed in a batch In this case (for example, when the financial terminal reads financial account information from the IC card, receives predetermined financial transaction information and transmits it to the financial system 100 collectively to process the financial transaction), the information receiving unit 710 receives the financial information. A financial account information read from the IC card from a financial transaction medium including at least one terminal and / or a wireless banking server, and financial transaction information input through a predetermined information input device (and / or key input device). It is desirable to receive the full text.

According to another embodiment of the present invention, a financial transaction procedure such as MS card-based financial transaction, and / or financial transaction using internet banking, financial transaction using tele banking, and / or financial transaction using WAP-based wireless banking is sequential. Is processed (eg, when the financial terminal 130 requests financial account information for financial transactions corresponding to a predetermined financial account number and / or customer information from the financial system 100, the financial system 100 requests the financial account information. Providing the financial account information for the financial transaction to the financial terminal 130, and the financial transaction information corresponding to the financial account information and a predetermined financial transaction from the financial terminal 130 to the financial system 100 The financial receiver 130 and / or the internet banking server 200 and / or the telebanking server and / or the wireless banking. A full text including a predetermined financial account number (eg, a financial account number read from an MS card) and / or customer information from the server, and the information transmitting unit 705 receives the full text from the ledger D / B 205. Extracting the financial account information for financial transactions corresponding to the financial account number and / or customer information and transmits to the financial terminal 130 and / or the Internet banking server 200 and / or the tele banking server and / or wireless banking server The process is preferably preceded, after which the information receiving unit 710 is a financial transaction including at least one or more of the financial terminal 130 and / or the Internet banking server 200 and / or a tele banking server and / or wireless banking server. It is preferable to receive a full text including the financial transaction information input through the financial transaction information and the information input device (and / or key input device) from the medium.

In particular, when the financial transaction procedure is sequentially processed, the information transmission unit 705 extracts the financial account information for the financial transaction to the financial terminal 130 and / or the Internet banking server 200 and / Alternatively, in the process of transmitting to a telebanking server and / or a wireless banking server, the deposit account information stored in association with the ledger information of the ledger D / B 205 is included in the financial account information for the financial transaction and the financial terminal ( 130) and / or to the Internet banking server 200 and / or to the telebanking server and / or the wireless banking server, preferably by transmission, whereby the financial terminal 130 and / or the Internet banking server 200 and When a bank transfer (or wire transfer) transaction according to the present invention is performed in a tele banking server and / or a wireless banking server, a deposit account can be conveniently selected based on the deposit account information.

The information extracting unit 720 reads the full text received through the information receiving unit 710, and checks whether the full text received from the financial transaction medium corresponds to a wire transfer (or wire transfer) transaction. When the full text corresponds to a wire transfer (or wire transfer) transaction, the financial account information and the deposit account number of the financial transaction information included in the received full text are extracted. The account number is provided to the information verification unit 725.

According to another exemplary embodiment of the present invention, the information extracting unit 720 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information checking unit ( 725), by which the present invention is not limited.

The information checking unit 725 searches for the ledger D / B 205 based on the financial account information provided from the information extracting unit 720, and selects the predetermined ledger information through which the account transfer (or wire transfer) transaction is made. And confirming whether or not the deposit account information including the deposit account number is present in the deposit account information linked to the ledger information based on the deposit account number.

According to another exemplary embodiment of the present invention, the information extracting unit 720 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information checking unit ( 725), and in this case, the information checking unit 725 checks the ledger information through which the financial transaction is made by the financial trading unit 715, and processes the linked ledger information based on the deposit account number. It is possible to confirm whether the deposit account information including the deposit account number is present in the deposit account information, whereby the present invention is not limited.

When the payment account information corresponding to the deposit account number is not stored in association with the ledger information as a result of the check by the information checking unit 725, the information generating unit 730 sends the deposit to the financial transaction customer. And generating deposit account information registration request information for requesting to store the deposit account information corresponding to the account number in association with the ledger information.

According to the method of the present invention, the deposit account information registration request information is preferably generated corresponding to each financial transaction medium.

For example, if the financial transaction medium is a financial terminal 130, the deposit account information registration request information is transmitted to the financial terminal 130 and outputted, and the financial transaction customer can obtain the deposit account information registration approval. Preferably, the financial transaction medium is included in the Internet banking server 200, the deposit account information registration request information is transmitted to the client terminal 535 through the Internet banking server 200 is outputted, It is preferable to include a structure for obtaining the deposit account information registration approval from a financial transaction customer, and if the financial transaction medium is a telebanking server, the deposit account information registration request information is a wired telephone and through the telebanking server; And / or voice output to the wireless telephone, the deposit account information from the financial transaction customer It is preferable to include a structure that can obtain a registration approval, if the financial transaction medium is a wireless banking server, the deposit account information registration request information is transmitted to the wireless terminal through the wireless banking server and outputted, the financial transaction It is preferable to include a structure that can obtain the deposit account information registration approval from the customer.

The financial transaction unit 715 corresponds to the financial transaction information in association with the ledger D / B 205 based on the financial account information and the financial transaction information included in the full text received through the information receiving unit 710. The financial transaction procedure may be performed. After the financial transaction procedure is performed, predetermined financial transaction detail information including the financial transaction processing result may be generated and provided to the information transmission unit 705.

The information transmission unit 705 generates a predetermined text including financial transaction history information provided from the financial transaction unit 715 and the financial terminal 130 and / or internet banking through the interface unit 740. The server 200 and / or the tele-banking server and / or wireless banking server characterized in that it is transmitted to a financial transaction medium containing at least one, in generating the full text including the financial transaction history information, generating the information When the payment account information registration request information for each predetermined financial transaction medium is generated by the unit 730, generating a full message including the financial transaction history information and the deposit account information registration request information and transmitting the generated text to the financial transaction medium. It features.

When the information transmission unit 705 generates and transmits a full message including the financial transaction history information and the deposit account information registration request information to the financial transaction medium, the information transmission unit 710 receives the full message from the financial transaction medium. The predetermined deposit account registration information corresponding to the deposit account information registration request information may be received.

The deposit account registration information includes deposit account information including the deposit account number and a deposit account alias input from the financial transaction medium and / or a deposit bank in which the deposit account is opened, and the deposit account information is stored in the deposit account information. It is preferable to further comprise a command to be stored in association with the ledger information.

When the predetermined deposit account registration information corresponding to the deposit account information registration request information is received from the predetermined financial transaction medium through the information receiving unit 710, the information storage unit 735 is included in the deposit account registration information. Characterized in that the deposit account information is processed in association with the ledger information and stored in the ledger D / B (205), the registered deposit account information is not only a financial transaction medium for registering the deposit account information, but also other financial transactions When a predetermined account transfer (or wire transfer) transaction in the medium, it is characterized in that it is provided to the financial transaction medium.

According to an embodiment of the present invention, the deposit account information stored in association with the ledger information is stored in the teller terminal banking system, and / or the CD / ATM banking system, the Internet banking system, and / or the telebanking system, and / or The DBMS 125 performs a predetermined financial transaction in connection with the financial system 100 in at least one banking system of a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is preferable to extract the information from the banking system and provide it to the banking system, whereby payment account information between a plurality of different financial transaction media is exchanged and shared.

Hereinafter, when requesting an account transfer (or remittance transfer) transaction from the financial terminal 130 including the counter terminal and / or CD / ATM among the financial transaction media shown in FIG. 7 to the financial system 100, the financial In the system 100, a preferred implementation method of storing deposit account information corresponding to the wire transfer (or wire transfer) transaction in association with the ledger information is stored.

Those skilled in the art to which the present invention pertains may refer to the following embodiments of the financial system 100 in the Internet banking server 200 and / or the telebanking server and / or the wireless banking server in the financial transaction medium. In case of requesting a transfer (or wire transfer) transaction, the banking system 100 infers various implementation methods for storing deposit account information corresponding to the transfer (or transfer) transaction in association with the ledger information and storing the transaction. The present invention is not limited thereto.

8 is a diagram illustrating an operation process of the financial terminal 130 for initiating a financial transaction according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of collectively initiating a financial transaction procedure based on an IC card having predetermined financial account information in a predetermined financial terminal 130. Those skilled in the art will be able to infer various implementation methods in which financial transaction procedures are initiated based on the IC card by referring to and / or modifying the drawing 8, but the present invention includes all the inferred implementation methods, The present invention is not limited by the embodiment shown in FIG.

Referring to FIG. 8, the financial terminal 130 reads predetermined financial account information for a financial transaction from a predetermined IC card (800). For this purpose, the financial terminal 130 obtains a personal identification number (PIN). The process of checking the validity of the IC card (not shown) and / or selecting a financial account for a financial transaction among a plurality of financial accounts may be further performed (not shown).

When the financial account information is read as described above, the financial terminal 130 inputs at least one financial transaction information corresponding to the financial account through a predetermined information input device (and / or key input device) (805). A predetermined financial transaction request message including the financial account information and the financial transaction information is generated (810), and the generated financial transaction request message is led through the predetermined financial network 135 on the ledger on the financial system 100 The server 700 transmits the data to the server 700 (815).

9A and 9B illustrate an operation process of the ledger server 700 for processing financial transactions according to an exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate the transfer of funds when the full financial transaction request message corresponds to an account transfer (or wire transfer) in the ledger server 700 that receives the full financial transaction request message as shown in FIG. 8. (Or remittance transfer) The present invention relates to a method of performing a deposit account information registration process according to the present invention while processing a transaction, and a person of ordinary skill in the art to which the present invention pertains refers to FIGS. 9a and 9b. And / or may be modified to infer various implementation methods for performing the deposit account information registration process according to the present invention while processing the account transfer (or remittance transfer) transaction in the ledger server 700. It includes all the inferred implementation methods, and the present invention is not limited by the implementation methods shown in FIGS. 9A and 9B.

9A and 9B, the ledger server 700 is referred to as " server " for convenience.

Referring to FIG. 9A, the server 700 receives and reads a financial transaction request message transmitted from the financial terminal 130 through the process of FIG. 8 through the financial network to extract financial account information and financial transaction information. In operation 900a, the extracted financial transaction information is read to determine whether the financial transaction requested from the financial terminal 130 is an account transfer (or wire transfer) transaction (905a).

If the financial transaction requested from the financial terminal 130 is not an account transfer (or remittance transfer) transaction (910a), the server 700 is based on the extracted financial account information and financial transaction information based on the ledger D / B ( In step 915a, the corresponding financial transaction is processed in step 915a. If the financial transaction processing is normally performed 920a, the server 700 generates predetermined financial transaction history information including the financial transaction processing result. In operation 925a, a financial transaction message including the financial transaction history information is generated (930a), and the generated financial transaction message is transmitted to the financial terminal 130 through the financial network 135 (970a). .

On the other hand, if the financial transaction requested from the financial terminal 130 is a wire transfer (or wire transfer) transaction (910a), the server 700 is based on the financial account information and financial transaction information ledger D / B (205) Process the transfer (or transfer) transaction in association with (935a), and if the transfer (or transfer) transaction is normally performed (940a), include a result that includes the result of the transfer (or transfer) transaction Generating financial transaction details of the transaction 945a, extracting a predetermined deposit account number corresponding to the account transfer (or remittance transfer) transaction from the financial transaction information (or the financial transaction history information) (950a); In operation 955a, it is checked whether predetermined deposit account information including the extracted deposit account number is linked with the ledger D / B 205 in association with the ledger information on the ledger D / B 205.

If the deposit account information is stored in advance (960a), the server 700 transmits the generated financial transaction text to the financial terminal 130 through the financial network 135 (970a).

On the other hand, if the deposit account information is not already stored (960a), the server 700 generates a predetermined deposit account information registration request information (965a), and the deposit account information registration request information to the financial transaction history information A financial transaction telegram is further included (970a), and the generated financial transaction telegram is transmitted to the financial terminal 130 through the financial network 135 (970a).

Referring to FIG. 9B, the server 700 receives and reads a financial transaction request message transmitted from the financial terminal 130 through the process of FIG. 8 through the financial network 135 to read financial account information and financial transaction. Extract information (900b), process the corresponding financial transaction in association with the ledger D / B 205 based on the extracted financial account information and financial transaction information (905b), and if the financial transaction processing is normally performed In operation 910b, the server 700 generates predetermined financial transaction history information including the financial transaction processing result (915b). Then, the server 700 reads the generated financial transaction history information. In operation 920b, the financial transaction requested from the financial terminal is an account transfer (or wire transfer) transaction.

If the financial transaction requested from the financial terminal 130 is not an account transfer (or wire transfer) transaction (925b), the server 700 generates a financial transaction message including the financial transaction history information (930b), and The generated financial transaction text is transmitted to the financial terminal 130 through the financial network 135 (960b).

On the other hand, if the financial transaction requested from the financial terminal 130 is an account transfer (or remittance transfer) transaction (925b), the server 700 transfers the account (or remittance transfer) from the financial transaction history information (or financial transaction information). After extracting a predetermined deposit account number corresponding to the transaction (935b), the predetermined deposit account information including the extracted deposit account number in association with the ledger D / B (205) is the ledger D / B (205) Check whether it is already stored in association with the ledger information on the server (940b).

If the deposit account information is stored in advance (945b), the server 700 generates a financial transaction telegraph including the financial transaction history information (930b), and the generated financial transaction telegram to the financial network 135 In step 960b, the financial terminal 130 transmits the data to the financial terminal 130.

On the other hand, if the deposit account information is not already stored (945b), the server 700 generates a predetermined deposit account information registration request information (950b), and the deposit account information registration request information to the financial transaction history information A financial transaction telegram is further included (955b), and the generated financial transaction telegram is transmitted to the financial terminal 130 through the financial network 135 (960b).

10 is a diagram illustrating an operation process of the financial terminal 130 to register the deposit account information during a financial transaction according to an embodiment of the present invention.

In more detail, FIG. 10 is included in the financial transaction text in a predetermined financial terminal 130 that receives the financial transaction text transmitted from the ledger server 700 through the same process as in FIGS. 9a and / or 9b. Regarding the process of registering the deposit account information during a financial transaction based on the deposit account information registration request information, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 10 Although various implementation methods for registering the deposit account information during a financial transaction may be inferred based on the deposit account information registration request information included in the financial transaction text, the present invention includes all the inferred execution methods, The present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 10, when a predetermined financial transaction text is transmitted from the ledger server 700 through the same process as that of FIGS. 9a and / or 9b, the financial terminal 130 is connected to the financial network 135. By receiving and reading the full text of the financial transaction, it is checked whether the deposit account information registration request information is included in the full financial transaction (1000).

If the deposit transaction information registration request information is not included in the financial transaction text (1005), the financial terminal 130 extracts the financial transaction details included in the financial transaction text and displays the screen of the financial terminal 130. And / or output via a predetermined printing apparatus (1010).

On the other hand, if the financial transaction includes the deposit account information registration request information (1005), the financial terminal 130 extracts the deposit account information registration request information included in the financial transaction text to the financial terminal 130 In step 1015, the user requests the customer to register the deposit account information.

If the deposit account information registration is not approved (1020), the financial terminal 130 extracts the financial transaction details contained in the full text of the financial transaction to output to the screen of the financial terminal 130, and / or predetermined Output through the printing apparatus of (1010).

On the other hand, if the deposit account information registration is approved (1020), the financial terminal 130 generates a deposit account registration request message containing a predetermined deposit account registration information to the ledger server 700 through the financial network 135 (1025).

According to the implementation method of the present invention, the deposit account number of the deposit account registration information is extracted from the deposit account number used in the bank transfer (or wire transfer) transaction process, the deposit account alias is the financial terminal 130 The deposit bank is inputted through an information input device (and / or key input device) provided and / or processed as the financial product name of the deposit account, and the deposit bank is used in the process of the transfer (or transfer) transaction. It is preferable to extract from the code number.

11 is a diagram illustrating an operation process of the ledger server 700 for registering deposit account information during a financial transaction according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a deposit account included in the deposit account registration request message in a predetermined ledger server 700 that receives the deposit account registration request message transmitted from the financial terminal 130 through the process of FIG. 10. This is a process of storing information in the ledger D / B 205 by cooperatively processing the information with the ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to and / or modifyes the drawing 11 above. The ledger server 700 may infer various implementation methods for storing the deposit account information in association with the ledger information and storing the ledger information in the ledger D / B 205, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Hereinafter, the ledger server 700 in FIG. 11 is referred to as a "server" for convenience.

Referring to FIG. 11, the server 700 receives and reads a deposit account registration request message transmitted from the financial terminal 130 through the process of FIG. 10 through the financial network 135 and the financial terminal 130. In step 1100, it is checked whether the registration of the deposit account information is approved.

If it is not approved to register the deposit account information (1105), the server 700 generates a deposit account registration message including a predetermined deposit account information registration error (1110), and the generated deposit account registration message Is transmitted to the financial terminal 130 through a predetermined financial network 135 (1130), the financial terminal 130 receives and reads the deposit account registration full text through the financial network 135, the deposit account The registration result is extracted (1135), and the deposit account registration result and the financial transaction history information are output on the screen of the financial terminal 130 and / or printed out through a predetermined printing device (1140).

On the other hand, if it is approved to register the deposit account information (1105), the server 700 generates a predetermined deposit account information to be linked to the ledger information based on the deposit account registration information included in the full deposit account registration request request In operation 1115, the deposit account information generated in association with the ledger D / B 205 is processed and stored in association with the ledger information (1120), and a predetermined deposit account registration including a result of the deposit account information processing is performed. After generating the full text (1125), the generated deposit account registration full text is transmitted to the financial terminal 130 through a predetermined financial network 135 (1130), the financial terminal 130 is the financial network ( Receiving and reading the deposit account registration full text through 135) to extract the deposit account registration result (1135), and output the deposit account registration result and the financial transaction history information on the screen of the financial terminal 130; and / Or a predetermined printing device Print output through (1140).

According to an embodiment of the present invention, the deposit account information stored in association with the ledger information is stored in the teller terminal banking system, and / or the CD / ATM banking system, the Internet banking system, and / or the telebanking system, and / or The DBMS 125 performs a predetermined financial transaction in connection with the financial system 100 in at least one banking system of a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is preferable to extract the information from the banking system and provide it to the banking system, whereby payment account information between a plurality of different financial transaction media is exchanged and shared.

12 is a diagram illustrating a preferred configuration of a teller terminal and / or a CD / ATM system for exchanging deposit account information through a ledger according to another embodiment of the present invention.

More specifically, FIG. 12 illustrates another banking of deposit account information through the ledger while a predetermined financial terminal 130 and a financial system 100 interoperate with each other to perform a predetermined account transfer (or remittance transfer) transaction procedure. Processing to store predetermined deposit account information used for the bank transfer (or wire transfer) in association with the ledger information corresponding to the financial transaction in order to exchange and / or share with the system. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 and the account at the financial terminal 130 during the transfer (or transfer) transaction process. Various system structures for processing predetermined deposit account information used for transfer (or wire transfer) in connection with the ledger information corresponding to the financial transaction and storing them. Would have to be inferred, the present invention includes all configurations in which the inference system, not limited to the system configuration shown in the figure 12.

Hereinafter, in order to effectively explain the technical features of the present invention, the predetermined financial terminal 130 and / or the Internet banking system and / or the telebanking system and / or the wireless banking system on the financial system 100 may be used. A component that performs a predetermined financial transaction procedure in association with the present invention and also provides a deposit account information providing and registration function according to the present invention is referred to as a "ledger server 700" for convenience, and the ledger server 700 is the financial terminal. It is preferable to perform the function of adding, changing, and deleting the deposit account information in cooperation with the 130 and / or the Internet banking system and / or the tele banking system and / or the wireless banking system.

That is, the ledger server 700 may be at least one server (or device) that performs financial transactions and / or deposit account information provision and registration functions according to the present invention on the financial system 100, and / or It may be a program, whereby the present invention is not limited.

For example, the functional configuration associated with a predetermined teller terminal 130 in the ledger server 700 corresponds to the current portion of the external system 105 provided in the financial system 100, in the ledger server 700 The functional configuration associated with the CD / ATM corresponds to the CD / ATM unit of the external system 105 provided in the financial system 100, and the functional configuration linked with the Internet banking system in the ledger server 700 is the financial system. Corresponding to the Internet banking unit 545 of the external system provided in (100), the functional configuration of the telebanking system linked to the ledger server 700 is a telescopic of the external system 105 provided in the financial system 100 Corresponding to the banking unit, and the functional configuration associated with the WAP-based wireless banking system and / or wireless IC chip-based wireless banking system in the ledger server 700 is the wireless of the external system 105 provided in the financial system 100 Corresponds to the banking unit.

In addition, a function configuration for processing a predetermined financial transaction in the ledger server 700 corresponds to the account system 110 of the financial system 100, and a function configuration for providing the deposit account information and registration function according to the present invention Corresponds to the information system 115 of the financial system 100.

The deposit account information providing and registration system includes a financial terminal 130 including at least one of a teller terminal used by each branch teller of the financial institution and / or a CD / ATM managed by the financial institution, and on the Internet banking system. Internet banking server 200, and / or a telebanking server on a telebanking system, and / or a wireless banking server on a wireless banking system characterized in that it comprises at least one, the financial terminal 130 and / or the Internet The banking server 200 and / or the telebanking server and / or the wireless banking server correspond to a predetermined financial transaction according to the present invention and / or a financial transaction medium for providing and registering deposit account information according to the present invention.

Those skilled in the art to which the present invention pertains will clearly understand the technical features of the financial transaction medium, and thus the detailed description thereof will be omitted for convenience.

In addition, the deposit account information providing and registration system connects a predetermined communication channel with at least one financial transaction medium, and through the communication channel the predetermined financial transaction with the financial transaction medium and / or deposit account information according to the present invention. And a ledger server 700 that performs a providing and registration function, and a ledger D / B 205 storing ledger information corresponding to a financial account opened to the customer.

Referring to FIG. 12, the ledger server 700 is connected to a financial terminal 130 including a teller terminal and / or a CD / ATM through a predetermined financial network 135 and a predetermined financial transaction and / or according to the present invention. Connecting the communication channel for providing and registering the deposit account information, and / or via the predetermined interface means 140, the Internet banking server 200 on the Internet banking system, and / or the telebanking server on the telebanking system, and / Or an interface unit for connecting a wireless banking server () on a wireless banking system and a communication channel for providing and registering a predetermined financial transaction and / or deposit account information according to the present invention.

The interface unit 740 is a predetermined financial transaction and / or at least one financial terminal 135 provided at at least one or more branches operated by the financial institution through a predetermined financial network 135 (for example, our network); Or by connecting a predetermined communication channel for providing and registering the deposit account information according to the present invention, and / or via the predetermined interface means 140, the Internet banking server 200 on the Internet banking system, and / or the telebanking system. A communication channel for providing a predetermined financial transaction and / or deposit account information and / or registration according to the present invention, and maintaining and managing the connected communication channel with a telebanking server on a network and / or a wireless banking server on a wireless banking system. Characterized in that.

The communication channel connected and managed by the interface unit 140 may include a financial system 100 and a financial terminal 130 and / or an internet banking server 200 and / or a telebanking server and / or provided in the financial institution. A communication channel connected between a financial transaction medium including at least one wireless banking server through a dedicated communication network, and according to an embodiment of the present invention, at least one or more defined between the financial transaction medium and the ledger server 700. Preferably, the transaction protocol includes a transaction protocol for transmitting and receiving at least one telegram corresponding to a financial transaction service, and the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) corresponds to the financial transaction type of each financial institution. According to the platform characteristics constituting the financial system 100 can be defined and used in various ways, To which the present invention is not limited by the (specialized structures corresponding to and / or Transaction Protocol) transaction protocol adopted by the elevated system 100.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

In addition, the ledger server 700 includes at least one of the financial terminal 130 and / or the Internet banking server 200 and / or the telebanking server and / or the wireless banking server through the interface unit 740. An information receiver 710 for receiving a predetermined financial transaction and / or a full text for providing and registering deposit account information according to the present invention, and a predetermined text corresponding to the full text received through the information receiver 710. Produces a telegram and transmits it to the financial transaction medium including the financial terminal 130 and / or the internet banking server 200 and / or the telebanking server and / or the wireless banking server through the interface unit 740. The information transmission unit 705, the financial transaction unit 715 performing a financial transaction procedure corresponding to the message received through the information receiving unit 705, and the message received through the information receiving unit 710. In the case where the gold account information is included, an information extracting unit 720 extracts the deposit account information from the full text and an information storage unit 735 for storing the deposit account information in association with the ledger information. It is characterized by.

The information receiver 710 may include at least one financial terminal 130 and / or an internet banking server 200 and / or a tele banking server and / or a wireless banking server through the interface unit 740. Receiving a full text for providing a predetermined financial transaction and / or deposit account information and registration according to the present invention from a medium, and converts the financial account information and the financial transaction information included in the received full text into the financial transaction unit ( 715).

According to an exemplary embodiment of the present invention, a financial transaction procedure such as an IC card-based financial transaction (eg, a financial transaction using an electronic bankbook provided in the IC card) and / or a financial transaction using a wireless IC chip-based wireless banking is processed in a batch. In this case (for example, when the financial terminal 130 reads the financial account information from the IC card, receives predetermined financial transaction information and transmits it to the financial system 100 collectively to process the financial transaction), the information receiving unit 710 ) Is input through the financial account information and the predetermined information input device (and / or key input device) read from the IC card from a financial transaction medium including at least one or more financial terminal 130 and / or wireless banking server It is preferable to receive a full text including financial transaction information, and the full text preferably includes predetermined deposit account information, and a preferred embodiment thereof is shown in FIG. 19 will be described in detail through drawings and figures 20 and 21.

According to another embodiment of the present invention, a financial transaction procedure such as MS card-based financial transaction, and / or financial transaction using internet banking, financial transaction using tele banking, and / or financial transaction using WAP-based wireless banking is sequential. Is processed (eg, when the financial terminal 130 requests financial account information for financial transactions corresponding to a predetermined financial account number and / or customer information from the financial system 100, the financial system 100 requests the financial account information. The financial terminal provides financial account information for the financial transaction, and the financial terminal 130 transmits the financial account information for the financial transaction and financial transaction information corresponding to a predetermined financial transaction to the financial system 100 to finance the financial account. Processing the transaction), the information receiving unit 710 is the financial terminal 130 and / or the Internet banking server 200 and / or the tele banking server and / or wireless banking server Receives a full financial account number (e.g., a financial account number read from an MS card) and / or customer information from the bank, and the information transmission unit 705 receives the financial information from the ledger D / B 205. Extracting financial account information for a financial transaction corresponding to an account number and / or customer information and transmitting it to the financial terminal 130 and / or the Internet banking server 200 and / or a telebanking server and / or a wireless banking server. This is preferred, and then the information receiving unit 710 is a financial transaction medium comprising at least one or more of the financial terminal 130 and / or the Internet banking server 200 and / or a tele banking server and / or wireless banking server. It is preferable to receive a full text including financial transaction information input through the financial account information and the information input device (and / or key input device) for the financial transaction from.

In particular, when the financial transaction procedure is sequentially processed, the information transmission unit 705 extracts the financial account information for the financial transaction to the financial terminal 130 and / or the Internet banking server 200 and / Alternatively, in the process of transmitting to a telebanking server and / or a wireless banking server, the deposit account information stored in association with the ledger information of the ledger D / B 205 is included in the financial account information for the financial transaction and the financial terminal ( 130) and / or the Internet banking server 200 and / or the telebanking server and / or wireless banking server is preferably transmitted by transmission, thereby the financial terminal 130 and / or the Internet banking server 200 And / or when the bank transfer (or wire transfer) transactions in accordance with the present invention in the tele-banking server and / or wireless banking server, it is possible to conveniently select a deposit account based on the deposit account information.

The information extracting unit 720 reads the full text received through the information receiving unit 710 to check whether the deposit account registration information is included in the full text received from the financial transaction medium. When the deposit account registration information is included, the financial account information and the deposit account registration information included in the received full-text is extracted, and the extracted financial account information and the deposit account registration information to the information storage unit 735 To provide.

According to another exemplary embodiment of the present invention, the information extraction unit 720 may extract only the deposit account registration information included in the financial transaction information from the full text and provide the information to the information storage unit 735, thereby. The present invention is not limited.

The information storage unit 735 searches the ledger D / B 205 based on the financial account information provided from the information extracting unit, and retrieves the ledger information to which the deposit account information corresponding to the deposit account registration information is linked. It is possible to confirm and store the predetermined deposit account information corresponding to the deposit account registration information in association with the deposit account information processed in association with the confirmed ledger information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the information extracting unit 720 extracts only the deposit account number included in the financial transaction information from the preamble corresponding to the bank transfer (or wire transfer) transaction and the information storing unit ( 735 may be provided. In this case, the information storage unit 735 confirms the ledger information through which the financial transaction is made by the financial transaction unit 715, and the predetermined deposit account information corresponding to the deposit account registration information. It can be stored in association with the payment account information processed in conjunction with the confirmed ledger information, thereby not limited to the present invention.

According to an embodiment of the present invention, the deposit account information stored in association with the ledger information is stored in the teller terminal banking system, and / or the CD / ATM banking system, the Internet banking system, and / or the telebanking system, and / or The DBMS 125 performs a predetermined financial transaction in connection with the financial system 100 in at least one banking system of a WAP-based wireless banking system, and / or a wireless IC chip-based wireless banking system, and / or a TV banking system. It is desirable to be extracted from the banking system provided by the banking system, whereby the deposit account information between a plurality of different financial transaction media is exchanged and shared.

The financial transaction unit 715 corresponds to the financial transaction information in association with the ledger D / B 205 based on the financial account information and the financial transaction information included in the full text received through the information receiving unit 710. The financial transaction procedure may be performed. After the financial transaction procedure is performed, predetermined financial transaction detail information including the financial transaction processing result may be generated and provided to the information transmission unit 705.

13 is a diagram showing the functional configuration of the financial terminal 130 to process the financial terminal to process the deposit account information in association with the ledger information in accordance with the embodiment of the present invention.

In more detail, FIG. 13 illustrates information on a deposit account used for a financial transaction in a financial terminal 130 provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. A preferred functional configuration of the financial terminal 130 for processing to store and cooperatively associated with the corresponding predetermined ledger information, and those of ordinary skill in the art to which the present invention pertains, see FIG. Or modified to infer various implementation methods for the financial terminal 130 provided in each financial institution, but the present invention includes all the implementation methods inferred, limited by the implementation method shown in FIG. Not.

Referring to FIG. 13, the financial terminal 130 recognizes an MS card and / or an IC card and acquires predetermined information, and each financial transaction provided through the financial terminal 130. A screen output unit 1315 for outputting a processing screen at a step; a key input unit 1320 for receiving predetermined information according to each financial transaction step; and a ledger server 700 through a predetermined financial network 135; A communication unit 1330 for communicating, a memory unit 1355 for the financial terminal 130 to store at least one or more financial transaction processing information for the financial transaction processing, and predetermined financial transaction history information after the financial transaction; A cash payment unit 1340 for paying cash for each financial transaction to the customer, a power supply unit 1325 for supplying power to the financial terminal 130, at least one terminal function unit, and the financial terminal 130. To control each functional component It comprises a fisherman 1305.

The control unit 1305 controls the overall operation of the financial terminal 130 in function configuration, manages the flow of information or data between each component, and corresponds to the predetermined transaction account information used in the financial transaction. And controlling at least one or more components provided in the financial terminal 130 to process the stored information in association with predetermined ledger information, and hardware (Central Processing Unit) / MPU (Micro Processing) At least one processor including at least one processor, an execution memory (for example, a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor. And a predetermined recording medium provided in the financial terminal 130 to perform a function unique to the software. Characterized in that comprises a predetermined program routine (Routine) and / or the program data by the loading operation processing (Loading), and the processor in the execution memory.

In particular, the controller 1305 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal 130 after the financial terminal 130 is booted by software.

13 is at least one program provided in the financial terminal 130 to process the predetermined deposit account information used in the financial transaction in association with the predetermined ledger information corresponding to the financial transaction. For the sake of convenience, components are shown in the control unit 1305 and described.

The card reader unit 1310 provides an interface between the card and the financial terminal 130 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 for interfacing MS (Magnetic Stripe) card based on IEC 7810 standard with financial terminal 130, and / or interfacing contact IC (Integrated Circuit) card based on ISO / IEC 7816 standard with financial terminal A contact IC reader unit and / or a contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 130, wherein the contact IC reader unit and / or the contactless IC reader unit It is preferable to correspond to the IC card reader provided in the financial terminal 130.

The MS reader unit is a card reader unit 1310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (for example, 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 the interface to the financial terminal 130.

The contact IC reader unit is a card reader unit based on ISO / IEC 7816. The contact IC reader unit includes at least one contact point that makes electrical contact with a chip on board (COB) associated with the contact IC card 1310. 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). Characterized by interfacing to the terminal 130.

The non-contact IC reader is a card reader based on ISO / IEC 14443. The non-contact IC reader is a card reader based on ISO / IEC 14443. The non-contact IC reader uses at least one antenna to make electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It is included, the power supply to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal 130 It is characterized by interfacing to.

The screen output unit 1315 is previously defined to be output from the financial terminal 130 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 1305. Or outputting at least one information or data that is defined in real time, the key data and finance input through the key input unit 1320 to the predefined information or data to be output on the screen from the financial terminal 130. It includes information stored or generated by the components provided in the terminal 130, information transmitted and received through the communication unit 1330, data corresponding to a predetermined operation result performed by the financial terminal 130.

The key input unit 1320 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) inputted from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 130 controlled by the controller 1305. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1305. The control unit 1305 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 130, and / or is defined to match the key event. To obtain a command to execute the function characterized.

The key input unit 1320 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 financial terminal 130.

According to an embodiment of the present invention, a key input device interworking with the key input unit 1320 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.

The communication unit 1330 has a communication means for performing a transaction function (for example, a transaction function interoperating with the external terminal 105 of the financial terminal 130 and each financial system 100) provided with the financial terminal 130. And a network communication unit for providing transaction communication with the ledger server 700 provided on the financial system 100 through a financial network (for example, a party network or a CD / ATM network) in hardware. And / or a cable communication unit that provides transactional communication with an external communication device through a predetermined cable communication port (e.g., RS-232c, Universal Serial Bus (USB), etc.) and / or infrared ray communication, RF (Radio Frequency) Local area communication unit for providing transactional communication with the local area communication device through at least one local area wireless communication including communication, Bluetooth, Wireless LAN, Wi-Fi, UWB (Ultra Wide Band system). To Is done by also, it comprises a communication protocol and a communication application for providing a communication transaction in software.

The memory unit 1355 is a storage medium that stores at least one or more information or data required for the control unit 1305 to perform a predetermined control function. (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 1305 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 1355 preferably stores at least one or more financial transaction processing information used by the financial terminal 130 to process a predetermined financial transaction, and / or the financial After the transaction processing, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 1340 is a financial transaction result corresponding to the card read through the card reader unit 1310 from a predetermined financial system through the communication unit 1330, a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, a cash corresponding to the cash payment instruction (or cash payment approval result) (or cash requested by the financial transaction customer) with a predetermined cash provided in the financial terminal 130. Read out from the storage unit 1345 is characterized in that the payment to the customer through a predetermined cash discharge unit 1350.

The terminal function unit 1335 is a component provided in the financial terminal 130 in addition to the components shown in FIG. 13 and / or a component provided in the financial terminal 130 for a predetermined purpose or role. Typically, various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics It is made, including.

Those skilled in the art to which the present invention pertains can easily understand the respective terminal functional units provided according to the characteristics of the financial terminal 130, and thus a detailed description thereof will be omitted.

Referring to FIG. 13, the financial terminal 130 uses a card reader unit 1310 to designate a predetermined financial account number (eg, a financial account number read from an MS card) and / or financial account information (eg, an IC card). A financial transaction based on the read financial account number and / or financial account information in conjunction with the information reading unit 1360 and the key input unit 1320 to read the financial account information read from the financial account information. In accordance with the present invention, an information input unit 1365 for receiving at least one or more information for providing and registering deposit account information and a financial transaction based on the read financial account number and / or financial account information and / or according to the present invention. Sending the full-text generating unit 1370 for generating and depositing account information for the full text and the full text message to the ledger server 700 through the communication unit 1330, to the ledger server 700 And a specialized processing unit 1375 for receiving a predetermined text corresponding to the transmitted text and outputting the screen and / or printing the received text, wherein the read financial account number and / or Alternatively, the deposit account information corresponding to the financial transaction is registered to process the predetermined deposit account information used in the financial transaction based on the financial account information in connection with the predetermined ledger information corresponding to the financial transaction. It is characterized by comprising an information confirmation unit 1380 to check whether there is.

According to an embodiment of the present invention, when a predetermined financial transaction is sequentially processed through the financial terminal (for example, for a financial transaction corresponding to a predetermined financial account number and / or customer information from the financial system 100 in the financial terminal). When the financial account information is requested, the financial system 100 provides financial account information for the financial transaction to the financial terminal, and the financial terminal corresponds to the financial account information for the financial transaction and a predetermined financial transaction. In the case of processing a financial transaction by transmitting the information to the financial system 100), the specialized processing unit receives the pre-stored deposit account information processed in association with the ledger information of the ledger D / B from the ledger server. Preferably, the information confirmation unit is the financial transaction based on the read financial account number and / or financial account information Characterized in that the predetermined deposit account number used in the match with the deposit account information received from the ledger server.

According to another exemplary embodiment of the present invention, in a method of reading predetermined financial account information from a predetermined IC card through the card reader unit 1310, at least one deposit account information is stored in the IC card. When the deposit account information stored in the IC card is read by the information reading unit 1360, the information checking unit 1380 may deposit a predetermined deposit account number used in the financial transaction from the IC card. It is characterized by checking whether it matches the account information.

Hereinafter, when requesting an account transfer (or remittance transfer) transaction from the financial terminal 130 shown in FIG. 13 to the financial system 100 among the financial transaction media shown in FIG. 12, the financial terminal 130 requests the transaction. A preferred implementation method of processing deposit account information corresponding to an account transfer (or wire transfer) transaction in association with the ledger information is stored.

Those skilled in the art to which the present invention pertains may refer to the following embodiments of the financial system 100 in the Internet banking server 200 and / or the telebanking server and / or the wireless banking server in the financial transaction medium. When requesting a wire transfer (or wire transfer) transaction, deposit account information corresponding to the wire transfer (or wire transfer) transaction is transferred from the Internet banking server and / or the tele banking server and / or the wireless banking server. Various implementation methods of processing to store by linkage processing may be inferred, and thus the present invention is not limited thereto.

14 is a view showing an operation of the financial terminal 130 for initiating a financial transaction according to another embodiment of the present invention.

More specifically, Figure 14 reads a financial account number from a predetermined customer card to sequentially perform a financial transaction procedure in a predetermined financial terminal 130, the financial system 100 corresponding to the financial account number to the financial account number Regarding the process of requesting financial account information for transactions, those of ordinary skill in the art to which the present invention pertains, various implementation methods for sequentially starting the financial transaction procedure by referring to and / or modifying the drawing 14 It may be inferred, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the implementation method shown in FIG.

Referring to FIG. 14, the financial terminal 130 reads a predetermined financial account number for a financial transaction from a predetermined customer card (eg, an MS card and / or an IC card provided with a financial account number) (1300). Generate a financial account information request message including the read financial account number through a predetermined information input device (and / or a key input device) (1405); and generate the generated financial account information request message in a predetermined financial network. Through the transfer to the ledger server 700 on the financial system 100 (1410).

15 is a view showing an operation of the ledger server 700 for processing financial transactions in accordance with another embodiment of the present invention.

In more detail, in FIG. 15, in the ledger server 700 having received the full financial account information request message as shown in FIG. 14, the financial terminal 130 displays financial account information for a predetermined financial transaction corresponding to the full financial account information request message. In the case of providing a), the present invention relates to a method of providing the bank account information for the financial transaction further includes a predetermined deposit account information processed in connection with the ledger information, having a general knowledge in the art In this regard, various embodiments of the present disclosure may be further described with reference to FIG. 15 and / or modified to further include predetermined deposit account information linked to the ledger information in the financial account information for the financial transaction by the ledger server 700. It may be inferred, but the present invention includes all the inferred implementation methods, and the invention is not limited by the implementation method shown in FIG. The.

Hereinafter, the ledger server 700 in this figure 15 is referred to as "server" for convenience.

Referring to FIG. 15, the server 700 extracts a financial account number by receiving and reading the full financial account information request transmitted from the financial terminal 130 through the process of FIG. 8 through the financial network 135. In operation 1500, it is determined whether at least one deposit account is linked to predetermined ledger information corresponding to the extracted financial account number from the ledger D / B 205 (1505).

According to an embodiment of the present invention, the deposit account information may include the teller terminal banking system, and / or the CD / ATM banking system, the internet banking system, and / or the telebanking system, and / or the WAP-based wireless banking system, and And / or are stored in association with the ledger information through at least one banking system of a wireless IC chip-based wireless banking system and / or a TV banking system, whereby different banking systems associated with the financial system 100 are created. Deposited account information registered through is exchanged and / or shared to different banking systems associated with the financial system 100.

If at least one deposit account is not linked to the ledger information (1510), the server 700 finances financial transactions corresponding to the extracted financial account number from the ledger D / B 205. Extract account information (1515), generate a predetermined financial account information full text including the extracted financial account information (1520), and generate the generated financial account information full text through the financial network 135 The financial terminal 130 transmits the data to the financial terminal 130 (1535).

If at least one deposit account is linked to and stored in the ledger information as a result of the check (1510), the server 700 is a financial transaction corresponding to the extracted financial account number from the ledger D / B (205) Extract the financial account information and the deposit account information (1525), generate a predetermined financial account information full text including the extracted financial account information and the deposit account information (1530), the generated financial account The full information is transmitted to the financial terminal 130 through the financial network 135 (1535).

16 is a diagram illustrating an operation process of the financial terminal 130 for processing to register the deposit account information during a financial transaction according to another embodiment of the present invention.

More specifically, FIG. 16 is for a financial transaction included in the financial account information telegram in a predetermined financial terminal 130 that receives the financial account information telegram transmitted from the ledger server 700 through the same process as in FIG. 15. In the case of a financial transaction through financial account information, when the financial transaction is an account transfer (or wire transfer) transaction requiring a predetermined deposit account number, the account transfer (or transfer) based on the deposit account information included in the full financial account information. Remittance transfer) process for registering the deposit account information during the transaction, if the person having ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 16 in the financial terminal 130 Various implementation methods for processing to register deposit account information during the wire transfer (or wire transfer) transaction may be inferred, but the present invention is inferred It includes both when and how, to which the present invention is not limited by the exemplary method shown in the figure 16.

Referring to FIG. 16, when a predetermined financial account information message is transmitted from the ledger server 700 through the same process as that of FIG. 15, the financial terminal 130 transmits the financial account information through the financial network 135. By receiving and reading the full text, it is checked whether the deposit account information is included in the full financial account information (1600).

If the deposit account information is not included in the full financial account information (1605), the financial terminal 130 outputs the financial account information for the financial transaction included in the full financial account information, and outputs to the financial account. Request to input corresponding at least one financial transaction information (1610), and if at least one financial transaction information is input (1615), generate a predetermined financial transaction request message including the financial account information and financial transaction information; In operation 1670, the entire financial transaction request message is transmitted to the ledger server 700 through the predetermined financial network 135.

If the deposit account information is included in the full financial account information (1605), the financial terminal 130 extracts the financial account information and / or deposit account information for financial transactions included in the full financial account information; Output to a financial terminal screen and request the customer to input predetermined financial transaction information (1620), the financial transaction information input process may further comprise a financial transaction type selection process (not shown), and / Alternatively, the financial transaction information input process may be partially omitted based on the deposit account information in the financial transaction information input process (not shown).

If the financial transaction information input is confirmed (1625), the financial terminal 130 reads the input financial transaction information, and determines whether the financial transaction is a wire transfer (or wire transfer) transaction (1630).

If the financial transaction is not a wire transfer (or wire transfer) transaction (1635), the financial terminal 130 generates a full financial transaction request message including the financial account information and financial transaction information (1640). The created financial transaction request message is transmitted to the ledger server 700 through the predetermined financial network (1670).

On the other hand, if the financial transaction is a wire transfer (or wire transfer) transaction (1635), the financial terminal 130 extracts a predetermined deposit account number corresponding to the transfer (or transfer) transaction from the financial transaction information ( 1645), by comparing the extracted deposit account number and the deposit account information extracted from the full financial account information, the deposit account corresponding to the account transfer (or remittance transfer) transaction ledger D / on the financial system 100 In operation 1650, the B 205 confirms whether the ledger information is stored in association with the ledger information.

If the check result is that the deposit account information is stored in association with the ledger information (1655), the financial terminal 130 generates a predetermined financial transaction request message including the financial account information and financial transaction information; In operation 1640, the generated financial transaction request message is transmitted to the ledger server 700 through the predetermined financial network 135 (1670).

On the other hand, if the deposit account information is not stored in association with the ledger information in advance as a result of the check (1655), the financial terminal deposits a predetermined deposit corresponding to the deposit account number corresponding to the account transfer (or remittance transfer) transaction. Generate an account registration information (1660), generate a predetermined financial transaction request message including the financial account information, the financial transaction information and the deposit account registration information (1665), and generate the predetermined financial transaction request message The financial server 135 transmits the ledger server 700 to the ledger server 700 in operation 1670.

17 is a diagram illustrating an operation of the ledger server 700 for processing financial transactions according to another embodiment of the present invention.

In more detail, in FIG. 17, when the ledger server 700 receives the financial transaction request message as shown in FIG. 16, when the deposit transaction registration information is included in the financial transaction request message, the financial transaction request message is viewed. As a method of performing the deposit account information registration process according to the present invention, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 17 in the ledger server 700 While it may be possible to infer various implementation methods for performing the deposit account information registration process according to the present invention while processing a financial transaction, the present invention includes all of the inferred implementation methods, and by the implementation method shown in FIG. The present invention is not limited.

Hereinafter, in the drawing 17, the ledger server 700 is referred to as "server" for convenience.

Referring to FIG. 17, the server 700 receives and reads a financial transaction request message transmitted from the financial terminal 130 through the process of FIG. 16 through the financial network 135 to read financial account information and financial transactions. Extracts information (1700), processes the corresponding financial transaction in connection with the ledger D / B 205 based on the extracted financial account information and financial transaction information (1705), and includes the financial transaction processing result; The financial transaction request information is generated (1710), and the financial transaction request message is read to determine whether the deposit account registration information is included in the financial transaction request message (1715).

If the financial transaction request message does not include the deposit account registration information (1720), the server 700 generates a predetermined financial transaction message including the financial transaction history information (1725), and the generated The financial transaction text is transmitted to the financial terminal 130 through the financial network 135 (1745).

If the financial transaction request message includes the deposit account registration information (1720), the server 700 generates (or deposits) predetermined deposit account information to be linked with the ledger information based on the deposit account registration information. Extracted from account registration information) (1730), and linked to the ledger information D / B (205) and stores the deposit account information linked to the ledger information (1735), the financial transaction history information and deposit account registration results A predetermined financial transaction telegram including information is generated (1740), and the generated financial transaction telegram is transmitted to the financial terminal 130 through the financial network (1745).

According to an embodiment of the present invention, the deposit account information stored in association with the ledger information is stored in the teller terminal banking system, and / or the CD / ATM banking system, the Internet banking system, and / or the telebanking system, and / or The DBMS 125 for a predetermined financial transaction in connection with the financial system 100 in at least one of a WAP based wireless banking system, and / or a wireless IC chip based wireless banking system, and / or a TV banking system. It is preferable to extract the information from) and provide it to the banking system, whereby the payment account information between a plurality of different financial transaction media is exchanged and shared.

18 is a diagram illustrating an operation process of the financial terminal 130 processed to register the deposit account information during a financial transaction according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates financial transaction history information included in the financial transaction text in a predetermined financial terminal 130 that receives the financial transaction text transmitted from the ledger server 700 through the same process as in FIG. 17. And / or a process of processing the deposit account information registration result, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 18 and the financial transaction in the financial terminal 130 Although various implementation methods for processing the financial transaction history information and / or deposit account information registration results included in the full text may be inferred, the present invention includes all the implementation methods inferred above and is shown in FIG. 18. The present invention is not limited by the.

Referring to FIG. 18, when a predetermined financial transaction text message is transmitted from the ledger server 700 through the same process as that of FIG. 17, the financial terminal 130 transmits the financial transaction text message through the financial network 135. By receiving and reading, the financial transaction history information is extracted from the financial transaction text (1800), and the financial transaction text is read to check whether the deposit account registration result information is included (1805).

If the deposit transaction information registration result information is not included in the financial transaction text (1810), the financial terminal 130 displays the financial transaction history information included in the financial transaction text on the screen of the financial terminal 130. And / or output via a predetermined printing apparatus (1815).

On the other hand, if the deposit transaction information registration result information is included in the financial transaction text (1810), the financial terminal 130 the financial account information registration result information and financial transaction history information included in the financial transaction text is the financial The terminal 130 outputs the screen and / or outputs through a predetermined printing apparatus (1820).

19 is a diagram illustrating a system configuration for exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a storage medium according to an embodiment of the present invention.

In more detail, FIG. 19 shows a deposit account information registered in an Internet banking server 200 on an Internet banking system, and a storage medium on a financial system 100 associated with a teller terminal and / or a CD / ATM, and / or tele. Exchange and operate with storage media on a banking system, and / or storage media on a WAP-based wireless banking system, and / or storage media on an IC chip-based wireless banking system, and / or storage media on a TV banking system, and / or through a window. A storage medium on an internet banking system, and / or a storage medium on a telebanking system, through a storage medium provided on the financial system 100, with predetermined deposit account information registered through the terminal and / or CD / ATM, and / or Or a storage medium on a WAP-based wireless banking system, and / or a storage medium on an IC chip-based wireless banking system, and / or a storage medium on a TV banking system. Sex is about.

Those skilled in the art to which the present invention pertains refer to and / or modify this drawing 19 to register the deposit account information registered in the telebanking server on the telebanking system via the counter terminal 140 and the terminal. Storage medium on financial system 100 associated with CD / ATM, and / or storage medium on Internet banking system, and / or storage medium on WAP based wireless banking system, and / or storage on IC chip based wireless banking system A system configuration for exchanging and operating a medium and / or a storage medium on a TV banking system, and / or deposit account information registered in a wireless banking server on the WAP-based wireless banking system through the interface terminal 140 and / or Or a storage medium on the financial system 100 in conjunction with a CD / ATM, and / or a storage medium on an internet banking system, and / or a storage medium on a telebanking system, and / Or a system configuration for exchanging and operating a storage medium on an IC chip-based wireless banking system and / or a storage medium on a TV banking system, and / or deposit account information registered in a wireless banking server on the IC chip-based wireless banking system. Means for storage on the financial system 100 associated with the teller terminal and / or CD / ATM, and / or storage on the internet banking system, and / or storage on the telebanking system, and / or WAP based wireless banking. System configuration for exchanging and operating the storage medium on the system and / or the storage medium on the TV banking system, and / or deposit account information registered in the TV banking server on the TV banking system via the interface terminal and / or CD. Storage media on financial system 100 in conjunction with / ATM, and / or storage media on Internet banking system, and / or on telebanking system Various implementation methods may be inferred for the system configuration for exchanging and operating the storage medium, and / or the storage medium on the WAP-based wireless banking system, and / or the storage medium on the IC chip-based wireless banking system. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 19, the Internet banking server on the Internet banking system may include at least one or more inputs from the client terminal 535 when the at least one client terminal 535 transactions via wire transfer (or wire transfer) through Internet banking. It is preferable to provide a storage means for storing the deposit account information, the deposit account information is preferably stored in association with the customer information (and / or customer account information) corresponding to the client terminal (535).

The deposit account information is input to the deposit account information input from the client approval procedure (for example, the client terminal 535) when the deposit account information is input from the client terminal 535 for a predetermined account transfer (or wire transfer) transaction. The registration and storage in the storage means through the process of requesting approval of whether to store or not, and then transfers the registered and stored payment account information to the same deposit account in the client terminal 535. Through this account transfer (or remittance transfer) transaction can be conveniently handled.

Those skilled in the art to which the present invention pertains, with reference to this figure 19, input from the landline phone and / or a radiotelephone to predetermined storage means provided in the telebanking server 1900 on the telebanking system. Store and operate deposit account information (e.g., input in the form of Dual Tone Multi-Frequency (DTMF)), and / or the wireless banking server 1905 provided on the WAP-based wireless banking system. Store and operate the predetermined deposit account information input from the wireless terminal in a predetermined storage means, and / or in the predetermined storage means provided in the wireless banking server 1905 on the IC chip-based wireless banking system. Store and operate deposit account information input from the DMB, and / or store the DMB in predetermined storage means provided in the TV banking server 1910 on the TV banking system. Would be able to infer the storage and operational embodiments methods for the predetermined transfer account information from input words, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 19.

Referring to FIG. 19 according to a preferred embodiment of the present invention, the Internet banking server 200 on the Internet banking system may display deposit account information (and / or newly registered deposit account information) stored in the storage means. Storage 140 on the teller terminal banking system, and / or storage medium on the CD / ATM banking system, and / or storage medium on the telebanking system, and / or storage medium on the WAP-based wireless banking system, and / or A storage medium on an IC chip based wireless banking system and / or a storage medium on a TV banking system.

According to an embodiment of the present invention, a method of providing the deposit account information from the Internet banking server 200 on the Internet banking system to another banking system may include inputting new deposit account information from the client terminal to the Internet banking server ( When newly registered and / or stored in the storage means provided in the 200, the storage medium on the window terminal banking system through the predetermined interface means 140 for the deposit account information newly registered in the Internet banking server 200, And / or a storage medium on a CD / ATM banking system, and / or a storage medium on a telebanking system, and / or a storage medium on a WAP based wireless banking system, and / or a storage medium on an IC chip based wireless banking system, and / or It is desirable to transmit to a storage medium on a TV banking system.

Those skilled in the art to which the present invention pertains, with reference to this figure 19, an implementation method for providing deposit account information registered on the telebanking system to another banking system, and / or WAP-based wireless banking system A method of providing deposit account information registered on a bank to another banking system, and / or a method of providing deposit account information registered on an IC chip-based wireless banking system to another banking system, and / or on a TV banking system Although it is possible to infer an implementation method for providing the deposit account information registered in another banking system, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 19 according to another preferred embodiment of the present invention, deposit account information registered through the teller terminal and / or CD / ATM is provided in the financial system 100 through a predetermined interface means 140. The deposit account information stored in the predetermined storage medium, and the storage account information stored in the financial system 100 may be stored on a teller terminal banking system, and / or a storage medium on a CD / ATM banking system, and / or a storage medium on a telebanking system. And / or a storage medium on a WAP based wireless banking system, and / or a storage medium on an IC chip based wireless banking system, and / or a storage medium on a TV banking system.

20 illustrates a method of exchanging and operating deposit account information for an account transfer (or wire transfer) transaction based on a storage medium according to an embodiment of the present invention.

In more detail, in FIG. 20, in the deposit account information exchange and operation system as shown in FIG. 19, when registering new deposit account information in the Internet banking server 200 on the Internet banking system, the new deposit account information is predetermined. The storage medium on the financial system 100 associated with the teller terminal and / or CD / ATM, and / or the storage medium on the telebanking system, and / or the storage medium on the WAP-based wireless banking system via the interface means 140 of And / or exchange and operate deposit storage information on a storage medium on an IC chip-based wireless banking system and / or a storage medium on a TV banking system, and / or through a teller terminal and / or CD / ATM. Storage media on the Internet banking system, and / or storage media on the telebanking system, and / or WAP-based wireless bank through the storage media provided on the financial system 100. It relates to a process for storage and transmits it to the storage medium, and / or the IC chip based wireless banking system on the storage medium, and / or storage media on the TV banking system, in the system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to transfer deposit account information registered in the telebanking server 1900 on the telebanking system to a predetermined interface means 140. Storage media on the financial system 100 associated with the teller terminal and / or CD / ATM, and / or storage media on the Internet banking system, and / or storage media on the WAP-based wireless banking system, and / or IC chip based A system for exchanging and operating a storage medium on a wireless banking system and / or a storage medium on a TV banking system, and / or deposit account information registered in a wireless banking server 1905 on the WAP-based wireless banking system. Storage media on the financial system 100 associated with the teller terminal and / or CD / ATM via means 140 and / or storage media on the internet banking system, and / or during telebanking System configuration for exchanging and operating with storage media on the system, and / or storage media on the IC chip-based wireless banking system, and / or storage media on the TV banking system, and / or wireless banking server on the IC chip-based wireless banking system ( The storage account on the financial system 100 associated with the teller terminal and / or the CD / ATM via the predetermined interface means 140, and / or the storage medium on the Internet banking system, Or a system configuration for exchanging and operating with a storage medium on a telebanking system, and / or a storage medium on a WAP-based wireless banking system, and / or a storage medium on a TV banking system, and / or a TV banking server 1910 on the TV banking system. The storage account on the financial system 100 associated with the teller terminal and / or CD / ATM via the predetermined interface means 140, and / or internet banking. Various implementations of system configurations for exchanging and operating with storage media on a system, and / or storage media on a telebanking system, and / or storage media on a WAP based wireless banking system, and / or storage media on an IC chip based wireless banking system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the Internet banking server 200 on the Internet banking system is referred to as a "server" for convenience.

Referring to FIG. 20, when a predetermined client terminal 535 accesses and logs in to a server 200 on an internet banking system to request an internet banking-based financial transaction (2000), the server 200 provides a predetermined interface means ( It performs the financial transaction procedure requested from the client terminal 535 in conjunction with a predetermined financial system 100 through the 140 (2005), if the person having ordinary knowledge in the technical field to which the present invention belongs, As you will clearly understand how to perform banking-based financial transaction procedures, a detailed description thereof is omitted for convenience.

According to the exemplary embodiment of the present invention, if the financial transaction requested from the client terminal 535 is an account transfer (or wire transfer) financial transaction, the financial transaction stored in the storage medium provided in the server 200 in the financial transaction process (and / or Alternatively, the method may further include selecting a predetermined deposit account for the transfer (or transfer) based on predetermined deposit account information stored in association with the ledger information on the financial system 100.

During and / or after the internet banking-based financial transaction procedure is performed, the server 200 checks whether the financial transaction is an account transfer (or wire transfer) transaction according to the present invention (2010).

If the financial transaction is not a wire transfer (or wire transfer) transaction (2015), the server 200 terminates the internet banking based financial transaction procedure.

On the other hand, if the financial transaction is a wire transfer (or wire transfer) transaction (2015), the server 200 checks whether new deposit account information is input from the client terminal 535 for the wire transfer (or wire transfer) transaction. (2020).

If no new deposit account information is input from the client terminal 535 (eg, stored in a storage medium provided in the server 200 (and / or stored in association with ledger information on the financial system 100) If the transfer (or transfer) transaction is performed based on the deposit account information of (2025) (2025), the server 200 terminates the Internet banking-based financial transaction procedure.

On the other hand, if new deposit account information is input from the client terminal 535 (2025), the server 200 stores the new deposit account information in a storage medium on the Internet banking system (2030), the client terminal 535 Customer information (and / or customer account information) and new deposit account information corresponding to the &lt; RTI ID = 0.0 &gt; (1) &lt; / RTI &gt; 2020 to at least one of a banking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking system, and / or a TV banking system.

Thereafter, the financial system 100 that has received the customer information (and / or customer account information) and the new deposit account information associates and processes the customer information (and / or customer account information) and the new deposit account information. By storing (2040) on a storage medium on (100), allowing a teller terminal and / or CD / ATM to conduct a wire transfer (or wire transfer) transaction using the new deposit account information, and / or the customer The telebanking system that has received the information (and / or the customer account information) and the new deposit account information is stored in a storage medium on the telebanking system by linking the customer information (and / or the customer account information) with the new deposit account information. Thereby making a wire transfer (or wire transfer) transaction using the new deposit account information in a predetermined landline and / or wireless telephone, and / or the customer The WAP-based wireless banking system that has received the information (and / or the customer account information) and the new deposit account information associates and processes the customer information (and / or the customer account information) and the new deposit account information on the WAP-based wireless banking system. By storing in a storage medium (2040), a predetermined wireless terminal is used to perform a wire transfer (or wire transfer) transaction using the new deposit account information, and / or the customer information (and / or customer account information). The IC chip-based wireless banking system that has received the new deposit account information is processed by linking the customer information (and / or the customer account information) and the new deposit account information and storing it in a storage medium on the IC chip-based wireless banking system (2040). Allow a given wireless terminal to perform a wire transfer (or wire transfer) transaction using the new deposit account information, and / or the customer information (and And / or the customer account information) and the new bank account information, the TV banking system associates the customer information (and / or the customer account information) with the new bank account information and stores the storage medium and / or the IC on the TV banking system. By storing in the chip (2040), a predetermined DMB terminal to perform a wire transfer (or wire transfer) transaction using the new deposit account information.

According to another exemplary embodiment of the present invention, a financial transaction is performed through an IC card having a predetermined electronic passbook through which a teller terminal and / or a CD / ATM can store the deposit account information, and / or the IC chip based wireless. A predetermined electronic bank account for storing the deposit account information is provided in the wireless IC chip for banking, and / or a predetermined electronic bank account for storing the deposit account information in the IC card for TV banking is provided. In this case, the new deposit account information may be stored in the electronic passbook provided on the IC card and / or IC chip.

21A and 21B are diagrams showing deposit account information provided on an IC card according to an embodiment of the present invention.

More specifically, FIGS. 21A and 21B illustrate a method of implementing deposit account information according to the present invention in an electronic passbook provided in an IC card (and / or a wireless IC chip mounted on or detached from a wireless terminal). Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 21a and 21b to infer various implementation methods in which the deposit account information is provided on the IC card. The present invention includes all the inferred implementation methods, and the invention is not limited by the implementation methods shown in FIGS. 21A and 21B.

21A and 21B, the IC card may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or an input / output (I / I). I / O interface for communicating with IC card reader (e.g. command or data exchange) through contact point such as O), Central Process Unit (CPU), Micro Process Unit (MPU), and / or Coprocessor At least one processor unit including at least one computing element including at least one computing element, a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like; An IC chip including a memory unit including a memory device is provided, and an input / output interface of the IC chip is electrically connected to a chip on board (COB) having a contact point corresponding to the contact point.

According to an embodiment of the present invention, at least one memory element (eg, a ROM) of the memory elements constituting the memory unit may store a Chip Operating System (COS) for managing and operating an IC card internal resource. When a predetermined power is supplied from an IC card reader through a power supply (VCC) contact point of the input / output interface, the COS stored in the memory unit is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the clock signal (CLK) Controls the exchange of information or data between the IC chip and the IC card reader through an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point.

In addition, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202. According to this, the memory unit includes a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. An application area, a read / write access area, an application program area, a FAT (File Allocation Table) management area, and the like, and the electronic bank account storage information is preferably stored in an area except the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit includes one master file (MF) corresponding to a root file, and at least one lower part of the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing substantial information and / or data for the electronic bank account storage information also includes the file structure as described above.

21A and 21B, an IC card-based electronic passbook includes a customer information file corresponding to the personal basic information of the customer, a predetermined main account information file, and at least, in the electronic passbook area provided in the memory unit on the IC chip. Comprising one or more sub-account information file, wherein the main account information is the account that the customer mainly deals among the accounts opened for the customer (for example, an account initially opened to the customer, or an account issued a cash card) , Or an account to which salaries are transferred), and the remaining accounts are subaccounts.

The customer information file includes a customer's English name (eg, ASCII name based English name), Korean name (eg KSC5601 based Korean name) and real name classification code (eg, social security number (0X1), business registration number (0X2), Passport number (0X3), alien registration number (0X4), etc.) and a real name number corresponding to the real name classification code.

The main account information file and the sub account information file may include a predetermined account status code (for example, a normal account (0X1), a termination account (0X2), a temporary suspension account (0X3), a transfer account (0X4), and an electronic money account (0X1)). Etc.) and TRACK III information (e.g., information corresponding to ISO 4909 standard including account number), account alias information corresponding to the alias of the account, and at least one transaction history information. It is made to include. Here, the account alias information is information given a predetermined alias for facilitating identification of each account because it is difficult for a customer to identify a plurality of accounts only by the account number.

Referring to FIG. 21A, the electronic bank account includes a deposit account information file for storing at least one deposit account information according to the present invention, and at least one deposit account file included in the deposit account information file includes the main account information. In the case of a financial transaction corresponding to the file and the sub account information file, the financial terminal is read out to the financial terminal.

Referring to FIG. 21B, the main account information file and / or the sub account information file of the electronic bank account further include at least one deposit account information according to the present invention, and the deposit account file is each main account information file. Or, when the financial transaction corresponding to the sub-account information file, it is characterized in that it is read into the financial terminal.

22 is a diagram illustrating an operation process of the financial terminal 130 for processing to register the deposit account information during the IC card-based financial transaction according to an embodiment of the present invention.

In more detail, Fig. 22 shows an IC card (and / or a wireless IC chip mounted or detached from a wireless terminal) having an electronic bank account including predetermined deposit account information as shown in Figs. 21a and / or 21b. As a method for registering a predetermined deposit account information on the IC card (and / or wireless IC chip) during a transaction, a person having ordinary knowledge in the technical field to which the present invention pertains will refer to FIG. 22. And / or modified to infer various implementation methods for processing the financial terminal 130 to register deposit account information during IC card-based financial transactions, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 22, the financial terminal 130 checks whether a predetermined IC card is inserted through a predetermined IC card reader (2200). If a predetermined IC card is inserted through the IC card reader (2205). The financial terminal 130 outputs a predetermined operation mode selection interface screen, and through the operation mode selection interface screen, the financial terminal 130 performs a financial transaction using the electronic account provided in the IC card. It is checked whether the processing of the electronic bank account mode is selected (2210).

If the operation mode of the financial terminal is not selected as the electronic bank account mode for financial transactions using the electronic bank account provided in the IC card according to the present invention (2215), the financial terminal 130 is based on the IC card The financial transaction procedure corresponding to the selected operation mode is performed (1520).

On the other hand, if the operation mode of the financial terminal is selected as the electronic bank account mode for financial transactions using the electronic bank account provided in the IC card according to the present invention (2215), the financial terminal 130 is validated using a predetermined PIN Outputting an interface screen (e.g., a screen requesting to input a predetermined PIN), and a predetermined PIN is input through the validity authentication interface screen to validate the IC card (and / or electronic bank account associated with the IC card). Verify that is authenticated (2225).

If the validity of the IC card (and / or electronic bank account associated with the IC card) is not authenticated (2230), the financial terminal 130 outputs a predetermined validity error message (2235), and the IC card. Terminate the financial transaction process using the electronic bank account provided in.

On the other hand, if the validity of the IC card (and / or electronic card associated with the IC card) is authenticated (2230), the financial terminal 130 is a list of at least one financial account corresponding to the electronic bank account from the IC card Read (2240), output a predetermined financial account selection interface screen for selecting a predetermined financial transaction financial account from the list of financial accounts (2245), and then for a predetermined financial transaction through the financial account selection interface screen Check if the financial account is selected (2250)

If a predetermined financial transaction financial account is selected from the list of financial accounts (2255), the server 200 outputs an interface screen for selecting a financial transaction that can be processed through the selected financial transaction financial account (2260). .

FIG. 23 is a diagram illustrating an operation process of the financial terminal 130 for processing to register deposit account information during an IC card-based financial transaction according to another embodiment of the present invention.

In more detail, Figure 23 shows an IC card-based financial transaction with an electronic bank account containing predetermined deposit account information as shown in Figure 21a and / or Figure 21b. As a method for registering a predetermined deposit account information in the IC card at 130), a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 23 in the financial terminal. Various implementation methods for processing to register deposit account information during IC card-based financial transactions may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 23, when the financial terminal 130 outputs an interface screen for selecting a financial transaction that can be processed through the financial transaction financial account selected as shown in FIG. 22, the financial terminal 130 is used for the financial transaction. If a predetermined financial transaction to be processed through the financial account is selected (2300), if the predetermined financial transaction to be processed through the financial account for the financial transaction is selected (2305), the financial terminal 130 selects the selection. In operation 2310, it is determined whether the completed financial transaction is a wire transfer (or wire transfer) transaction.

If the selected financial transaction is not an account transfer (or wire transfer) transaction (2315), the financial terminal 130 enters at least one financial transaction information corresponding to the financial transaction to be processed through the financial account for the financial transaction. After outputting a transaction information input interface screen (2320) and checking whether at least one financial transaction information is input through the financial transaction information input interface screen (2325), at least one financial transaction through the financial transaction information input interface screen When the information is input (2330), a predetermined financial transaction request text including the financial account information for the financial transaction and the input financial transaction information is generated (2335), and the generated financial transaction request text is converted into a predetermined financial network. Transfer to the ledger server 700 through (2340), and then the financial terminal 130 and the ledger server 700 is conventional financing According to the procedure below to process a financial transaction corresponding to the financial transaction request professional.

On the other hand, if the selected financial transaction is a wire transfer (or wire transfer) transaction (2315), the financial terminal 130 reads at least one deposit account information from the IC card (2345), and through the financial account for the financial transaction Further including the deposit account information on the financial transaction information input interface screen for inputting at least one financial transaction information corresponding to the financial transaction to be processed (2350), and at least one financial transaction through the financial transaction information input interface screen Check whether the transaction information is input (2355).

According to an embodiment of the present invention, the deposit account number input process may be automatically processed during the financial transaction information input process through the financial transaction information input interface screen by the deposit account information.

If at least one financial transaction information is input through the financial transaction information input interface screen (2360), the financial terminal 130 receives a deposit account number corresponding to an account transfer (or remittance transfer) transaction from the financial transaction information. By extracting (2365) and comparing the extracted deposit account number with the deposit account information read out from the IC card, a deposit account corresponding to the bank transfer (or wire transfer) transaction is provided in the electronic account of the IC card. Check whether the payment account information is included (2370).

If it is included in the deposit account information provided in the electronic bank account of the IC card (for example, if the deposit account number input process is automatically processed through the deposit account information during the financial transaction information input process through the financial transaction information input interface screen). (2375), the financial terminal 130 generates a predetermined financial transaction request message including the financial account information for the financial transaction and the input financial transaction information (2335), and generates the generated financial transaction request message. The ledger server 700 is transmitted to the ledger server 700 through a predetermined financial network (2340), and then the financial terminal 130 and the ledger server 700 perform a financial transaction corresponding to the full text of the financial transaction request according to a conventional financial transaction procedure. Process.

On the other hand, if it is not included in the deposit account information provided in the electronic bank account of the IC card (for example, if the deposit account number is input through the financial transaction information input interface screen) (2375), the financial terminal 130 is shown in FIG. Do the same.

24 is a diagram illustrating an operation process of the financial terminal 130 for processing to register the deposit account information during the IC card-based financial transaction according to another embodiment of the present invention.

In more detail, Figure 24 shows an IC card-based financial transaction with an electronic bank account containing predetermined deposit account information as shown in Figure 21a and / or Figure 21b. As a method for registering a predetermined deposit account information in the IC card in the financial terminal, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 24 and the financial terminal. Although it may be possible to infer various implementation methods for processing to register the deposit account information during the IC card-based financial transaction at 130, the present invention includes all of the inferred implementation methods, and with only the implementation method shown in FIG. It is not limited.

Referring to FIG. 24, the financial terminal 130 performs the same process as in FIGS. 22 and 23, and the deposit account number corresponding to the account transfer (or remittance transfer) transaction is transferred to the electronic bank account of the IC card. If it is not included in the payment account information provided, the financial terminal 130 provides the electronic bank account information provided in the IC card to the customer, the deposit account information corresponding to the payment account corresponding to the account transfer (or wire transfer) transaction Request to approve additional records at 2400.

If the customer does not approve the additional recording of the deposit account information corresponding to the deposit account corresponding to the bank transfer (or wire transfer) transaction in the electronic account provided in the IC card (2405), the financial terminal 130 ) Generates a predetermined financial transaction request telegram including the financial account information and financial transaction information for the financial transaction (2410), and the generated financial transaction request telegram to the ledger server 700 through a predetermined financial network. After the transmission (2340), the financial terminal 130 and the ledger server 700 processes the financial transaction corresponding to the full text of the financial transaction request according to the conventional financial transaction procedure.

On the other hand, if the customer approves the additional recording of the deposit account information corresponding to the deposit account corresponding to the wire transfer (or wire transfer) transaction in the electronic account provided in the IC card (2405), the financial terminal 130 The IC generates predetermined deposit account storage information (e.g., storage information defined to record deposit account information on the IC card) corresponding to the deposit account information corresponding to the wire transfer (or wire transfer) transaction. The deposit account information is additionally recorded in the electronic bank account of the card (2415).

Thereafter, the financial terminal 130 generates predetermined deposit account registration information corresponding to the deposit account information corresponding to the bank transfer (or wire transfer) transaction (2420), and the financial account information, the financial transaction information, and the Generate a predetermined financial transaction request text including deposit account registration information (2425), and transmit the generated financial transaction request text to the ledger server 700 through a predetermined financial network (2330), and then the financial The terminal 130 and the ledger server 700 interoperate with each other to process a financial transaction corresponding to the full text of the financial transaction request through a process as shown in FIGS. 17 and / or 18.

According to the present invention, the deposit account information for an account transfer (or wire transfer) transaction registered through the Internet banking system can be transferred to a window terminal banking system, and / or a CD / ATM banking system, and / or a telebanking system, and / or a WAP. There is an advantage that can be used for a wire transfer (or wire transfer) transactions performed in the base wireless banking system, and / or IC chip-based wireless banking system, and / or TV banking system.

According to the present invention, the deposit account information for wire transfer (or wire transfer) transactions registered through the window terminal banking system can be transferred to an Internet banking system, and / or a CD / ATM banking system, and / or a telebanking system, and / or a WAP. There is an advantage that can be used for a wire transfer (or wire transfer) transactions performed in the base wireless banking system, and / or IC chip-based wireless banking system, and / or TV banking system.

According to the present invention, deposit account information for wire transfer (or wire transfer) transactions registered through a CD / ATM banking system can be transferred to an Internet banking system, and / or a window terminal banking system, and / or a telebanking system, and / or a WAP. There is an advantage that can be used for the account transfer (or wire transfer) transactions performed in the base wireless banking system, and / or IC chip-based wireless banking system, and / or TV banking system.

According to the present invention, deposit account information for wire transfer (or wire transfer) transactions registered through a telebanking system can be transferred to an Internet banking system, and / or a window terminal banking system, and / or a CD / ATM banking system, and / or a WAP. There is an advantage that can be used for a wire transfer (or wire transfer) transactions performed in the base wireless banking system, and / or IC chip-based wireless banking system, and / or TV banking system.

According to the present invention, deposit account information for wire transfer (or wire transfer) transactions registered through a WAP-based wireless banking system may be transferred to an Internet banking system, and / or a window terminal banking system, and / or a CD / ATM banking system. Alternatively, there is an advantage that can be used for a wire transfer (or wire transfer) transaction performed in a tele banking system, and / or an IC chip based wireless banking system, and / or a TV banking system.

According to the present invention, the deposit account information for wire transfer (or wire transfer) transactions registered through an IC chip-based wireless banking system can be transferred to an Internet banking system, and / or a window terminal banking system, and / or a CD / ATM banking system. There is an advantage that can be used for a wire transfer (or wire transfer) transaction performed in a telebanking system, and / or a WAP-based wireless banking system, and / or a TV banking system.

According to the present invention, deposit account information for wire transfer (or wire transfer) transactions registered through a TV-based wireless banking system may be transferred to an Internet banking system, and / or a window terminal banking system, and / or a CD / ATM banking system. Alternatively, there is an advantage that can be used for a wire transfer (or wire transfer) transaction performed in a telebanking system, and / or a WAP-based wireless banking system, and / or an IC chip-based wireless banking banking system.

Claims (10)

When the frequently used deposit account information of the customer newly added or changed in the first non-facing channel is generated, the first non-facing channel management server managing the first non-facing channel may store the previously stored deposit account information of the customer. After the renewal process is applied by applying the newly added or changed customer's frequently used deposit account information, the frequently used deposit account information of the renewed customer is second to non-facing channel management server to Nth (N = 2, 3, ... N) transmitting to the non-facing channel management server; The first non-facing channel management server transmits frequently used deposit account information of a customer previously stored in the second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. Storing the payment account information frequently used by the customer; And The second non-face-to-face channel management server to N-th (N = 2, when transaction transfer of the customer through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel 3, ... N) non-facing channel management server through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel to transfer the frequently used deposit account information of the replaced customer Providing step; comprising a plurality of non-face-to-face channel between the plurality of frequently used payment account information mutually compatible processing method comprising a. When the frequently used deposit account information of the customer newly added or changed in the first non-facing channel is generated, the first non-facing channel management server managing the first non-facing channel may store the previously stored deposit account information of the customer. Updating and applying the newly added or changed customer's frequently used deposit account information, and transmitting the frequently used deposit account information of the updated customer to a predetermined information storage server; After storing the frequently used payment account information of the renewed customer in the information storage server, the second non-facing channel management server to Nth (N = 2, 3, ... N) transmitting to the non-facing channel management server; Frequently used deposit account information of the customer previously stored in the second non-facing channel management server to N (N = 2, 3, ... N) non-facing channel management server frequently used by the customer sent by the information storage server Saving and replacing the deposit account information; And The second non-face-to-face channel management server to N-th (N = 2, when transaction transfer of the customer through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel 3, ... N) non-facing channel management server through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel to transfer the frequently used deposit account information of the replaced customer Providing step; comprising a plurality of non-face-to-face channel between the plurality of frequently used payment account information mutually compatible processing method comprising a. When the frequently used deposit account information of the customer newly added or changed in the first non-facing channel is generated, the first non-facing channel management server managing the first non-facing channel may store the previously stored deposit account information of the customer. After the newly added or changed customer's frequently used deposit account information is updated and processed, the newly added or changed customer's frequently used deposit account information is assigned to the second non-facing channel management server to Nth (N = 2). , 3, ... N) transmitting to a non-face-to-face channel management server; The first non-facing channel management server transmits the deposit account information of the customer which is previously stored in the second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. Updating the frequently used deposit account information of the previously stored customer by applying the frequently used deposit account information of the customer; And The second non-face-to-face channel management server to N-th (N = 2, when transaction transfer of the customer through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel 3, ... N) non-facing channel management server through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel to transfer the frequently used deposit account information of the replaced customer Providing step; comprising a plurality of non-face-to-face channel between the plurality of frequently used payment account information mutually compatible processing method comprising a. When the frequently used deposit account information of the customer newly added or changed in the first non-facing channel is generated, the first non-facing channel management server managing the first non-facing channel may store the previously stored deposit account information of the customer. Updating and applying the newly added or changed customer's frequently used deposit account information, and transmitting the newly added or changed customer's frequently used deposit account information to a predetermined information storage server; The information storage server transmits frequently used deposit account information of the newly added or changed customer to a second non-facing channel management server to Nth (N = 2, 3, ... N) non-facing channel management server. step; The second non-facing channel management server to the N (N = 2, 3, ... N) non-facing channel management server frequently used by the customer of the information stored in the customer's frequent deposit account information previously stored in the information storage server Updating the frequently used deposit account information of the customer by applying the deposit account information; And The second non-face-to-face channel management server to N-th (N = 2, when transaction transfer of the customer through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel 3, ... N) non-facing channel management server through the second non-facing channel to N (N = 2, 3, ... N) non-facing channel to transfer the frequently used deposit account information of the replaced customer Providing step; comprising a plurality of non-face-to-face channel between the plurality of frequently used payment account information mutually compatible processing method comprising a. Frequently used by the newly added or changed customer in the first non-facing channel management server that manages the first non-facing channel when the frequently used deposit account information of the customer newly added or changed in the first non-facing channel Transmitting the deposit account information to the information storage server; Apply the newly added or changed customer's frequently used payment account information transmitted from the first non-facing channel management server to the frequently used payment account information previously stored in the ledger DB or the storage medium in the information storage server. Updating previously stored payment account information of the customer; And The non-face-to-face management of the non-face-to-face channel connected to the customer when the account transfer transaction of any one of the second non-facing channel to N (N = 2, 3, ... N) non-facing channel And extracting frequently used deposit account information of the updated processed customer stored in the ledger DB or storage medium in a channel management server and providing the non-facing channel connected to the customer. When a frequently used deposit account information of a customer newly added or changed in a non-face-to-face channel connected with the customer occurs, a frequently used deposit account of the newly added or changed customer in a non-face-to-face channel management server managing the non-face-to-face channel The newly added or changed information transmitted from the non-facing channel management server to the frequently used deposit account information of the customer previously stored in the ledger DB or the storage medium in the information storage server. A method of interoperating with frequently used deposit account information between a plurality of non-face-to-face channels, wherein the frequently used deposit account information is updated by applying frequently used deposit account information. Frequently used by the newly added or changed customer in the first non-facing channel management server that manages the first non-facing channel when the frequently used deposit account information of the customer newly added or changed in the first non-facing channel Updating the frequently used deposit account information of the customer by applying the deposit account information to the frequently used deposit account information of the customer previously stored in the ledger DB or the storage medium; And The non-face-to-face management of the non-face-to-face channel connected to the customer when the account transfer transaction of any one of the second non-facing channel to N (N = 2, 3, ... N) non-facing channel And extracting frequently used deposit account information of the updated processed customer stored in the ledger DB or storage medium in a channel management server and providing the non-facing channel connected to the customer. When a frequently used deposit account information of a customer newly added or changed in a non-face-to-face channel connected with the customer occurs, a frequently used deposit account of the newly added or changed customer in a non-face-to-face channel management server managing the non-face-to-face channel Frequently used deposits between a plurality of non-face-to-face channels, by applying information to the customer's frequently used deposit account information previously stored on the ledger DB or storage medium to update the previously stored deposit account information of the customer. How to handle mutually compatible account information. The method according to any one of claims 1 to 6, The first non-facing channel may be any one of an internet banking channel, a mobile banking channel, a TV banking channel, an automation device channel, and a phone banking channel. The second non-facing channel may be any one except the first non-facing channel among an internet banking channel, a mobile banking channel, a TV banking channel, an automation device channel, and a phone banking channel. The N-th non-facing channel may be any one of the Internet banking channel, the mobile banking channel, the TV banking channel, the automation device channel, and the phone banking channel except for the first to N-th non-facing channel. How to handle interoperability of frequently used deposit account information between non-face-to-face channels. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 6. When a frequently used deposit account information of a customer newly added or changed in any one of a plurality of non-face-to-face channels occurs, the newly used or changed customer's frequently used deposit account information is frequently used by the customer. Means for updating and applying the deposit account information; And Means for providing frequently used deposit account information of the renewed customer to the non-face-to-face channel when the account transfer transaction of the customer through any other non-face-to-face channel of the plurality of non-face-to-face channels. A mutually compatible processing system for frequently used deposit account information between a plurality of non-face-to-face channels. The method of claim 9, wherein the plurality of non-facing channels, Interoperability processing system for frequently used deposit account information between a plurality of non-face-to-face channels, characterized in that it comprises at least two Internet banking channel, mobile banking channel, TV banking channel, automation device channel, phone banking channel.

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