KR100821850B1 - Method for sending foreign exchange and program recording medium - Google Patents

Abstract

A method for transferring foreign currency and a recording medium for the same are provided to omit, input, and/or process a part of foreign currency transfer information automatically based on business cooperation between a financial facility and a foreign financial facility, thereby maximally simplifying a foreign currency transfer procedure. An information storing part stores foreign currency transfer operation information to a storage medium by processing a transfer amount and a receiver account number as a necessary item, and processing the remaining information items as automatically omitted, inputted, or processed information. An interface provider provides an interface for extracting the information items processed as the necessary items from the foreign currency transfer operation information stored in the storage medium, inputting the extracted information to the foreign currency transfer information received from a customer, and checking and/or modifying the foreign currency transfer information(430). A foreign currency transfer processor generates and transmits a foreign currency transfer processing message to a foreign financial facility server(445).

Description

Method for Sending Foreign Exchange and Program Recording Medium}

1 is a diagram showing the configuration of a forex remittance transaction system according to an embodiment of the present invention.

2 is a view showing an embodiment of the configuration of the foreign currency remittance operation information for the foreign currency remittance transaction according to the embodiment of the present invention.

FIG. 3 is a diagram illustrating an information registration system for personalizing foreign exchange remittance operation information according to an embodiment of the present invention.

4 is a diagram illustrating an information registration process for personalization of the operation of the foreign exchange remittance information according to the embodiment of the present invention.

5 is a diagram illustrating a configuration of an internet banking-based forex remittance transaction system according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of connecting a financial transaction channel for internet banking based forex remittance transaction according to an embodiment of the present invention.

7A and 7B illustrate an internet banking-based forex transfer transaction process according to an embodiment of the present invention.

8 is a diagram illustrating a foreign exchange remittance transaction process according to an embodiment of the present invention.

9 is a diagram illustrating a configuration of an internet banking based forex remittance transaction system according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of connecting a financial transaction channel for an internet banking-based forex remittance transaction according to another embodiment of the present invention.

11A and 11B illustrate an internet banking-based forex transfer transaction process according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a foreign exchange remittance transaction process according to another embodiment of the present invention.

<Description of main parts of drawing>

100: banking server 105: wired terminal

110: wireless terminal

In the present invention, the domestic financial company and foreign financial company alliance for foreign currency remittance business, remittance classification, currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address Information storage means for storing at least one or more of the name of the remittance bank store, the beneficiary account, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transfer in a predetermined storage medium and a regular foreign currency remittance transaction On request, in connection with the storage medium (or storage medium operation means), the foreign currency remittance processing means for identifying and / or extracting information corresponding to the target account number of the foreign currency remittance transaction request, processing the regular foreign exchange remittance transaction It relates to a foreign currency remittance system comprising a.

Foreign exchange remittance financial transactions that remit a certain amount of money from a domestic bank to a given foreign bank require much more information than other types of domestic financial transactions.

For example, in the same conditions, foreign exchange remittance financial transactions are subject to a certain remittance category (e.g., women, overseas) International student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number It includes the name of the sender, the sender's address, the sender's phone number, and the contents of the transfer.

As described above, since much information needs to be input for the foreign exchange remittance financial transaction, the foreign exchange remittance financial transaction includes a problem that it takes a long time to process.

In addition, when the input of the foreign currency remittance transaction information is input or a typo occurs in the foreign exchange remittance transaction information, the foreign exchange remittance transaction is linked with a foreign financial system having a different working time. It is difficult to modify the remittance transaction information.

An object of the present invention for solving the above problems is, in the case of foreign exchange remittance business cooperation between domestic financial firms and foreign financial firms, remittance classification, currency code, remittance amount, fee bearer, region code, country code, bank for regular foreign exchange remittance transactions Store at least one of a number, a bank name, a bank address, a bank name, a payee, a payee account number, a payee address, a payee phone number, a remitter, a remitter address, a remitter phone number, and a delivery information in a predetermined storage medium; In response to a request for a regular remittance transaction, in connection with the storage medium (or a storage medium operating means), information corresponding to the account number for which the remittance request is requested may be identified and / or extracted to perform the regular remittance transaction. The present invention provides a forex remittance system and method for processing.

The foreign exchange remittance method according to the present invention includes a remittance classification, currency code, remittance amount, fee bearer, region code, and country included in foreign exchange remittance transaction information through a foreign exchange remittance business cooperation between a domestic financial company and a foreign financial company in a predetermined information storage means. Code, Bank Number, Bank Name, Bank Name, Bank Name, Bank Name, Recipient, Recipient Account Number, Recipient Address, Recipient Phone Number, Remitter, Remitter Address, Remitter Phone Number and Details of Remittance Processing the information as an essential input item, and storing at least one or more other information items in a predetermined storage medium, wherein the information about the omission target information, the automatic input information, or the foreign currency remittance information processed as the automatic processing information is stored in a predetermined storage medium; In the case of foreign exchange remittance transaction, a required input term from the foreign exchange remittance operation information stored in the storage medium in a predetermined interface providing means. And extract the information item processed by the automatic input information, and the foreign exchange remittance customer inputs the foreign currency remittance transaction information corresponding to the required input item, and confirms and / or changes the foreign remittance transaction information corresponding to the automatic input information. Providing an interface for the foreign currency, and when the foreign currency remittance transaction information corresponding to the required input item and the foreign currency remittance transaction information corresponding to the automatic input information are processed through the interface, the predetermined foreign exchange remittance processing means It is characterized in that it comprises the step of generating a transfer remittance text message to the foreign financial company server through the international financial network.

In addition, the present invention, in the foreign exchange remittance method through the foreign exchange remittance business cooperation between the domestic financial company and the foreign financial company, the step of transmitting the foreign currency remittance target account information from the domestic financial company server to manage the foreign currency remittance target account; Transmitting the account holder information corresponding to the foreign currency remittance target account from the foreign financial institution server to the domestic financial institution server; and the foreign currency remittance target account information and the account from the domestic financial institution server to a client terminal requesting the foreign currency remittance. After providing the owner information and requesting the foreign currency transfer after confirming the information in the customer terminal, remittance classification previously stored in a predetermined storage medium connected to the foreign currency transfer target account between the domestic financial company server and the foreign financial company server , Currency code, commissioner, area code, country code, After confirming and / or extracting at least one or more of a line number, a deposit bank name, a deposit bank address, a deposit bank store name, a payee address, a payee address, a payee phone number, a sender address, a sender address, a sender phone number, and the contents of the delivery, Characterized in that it comprises the step of processing the requested foreign exchange transfer.

In addition, the present invention, in the foreign exchange remittance method through the foreign exchange remittance business cooperation between the domestic financial company and the foreign financial company, the step of transmitting the foreign currency remittance target account information from the domestic financial company server to manage the foreign currency remittance target account; Remittance classification, currency code, fee bearer, area code, country code, bank number, deposit bank name, deposit bank address, deposit bank store name, linked to the foreign currency remittance account from the foreign financial company server Identifying and / or extracting at least one or more of a payee, a payee address, a payee phone number, a remitter, a remitter address, a remitter's phone number, and delivery details, and transmitting the information to the domestic financial institution server; Providing the information transmitted from the foreign financial company server to the customer terminal requesting the foreign currency remittance System and at the customer terminal characterized in that comprises the step of: after checking of the information requesting the foreign exchange transfer, run, or requests a change to at least any one of the information.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned foreign exchange transfer method.

On the other hand, the foreign exchange remittance system according to the present invention, at the time of foreign exchange remittance business cooperation between domestic financial firms and foreign financial firms, remittance classification, currency code, remittance amount, fee bearer, region code, country code, bank number for regular foreign exchange remittance transactions Information that stores at least one or more of the name of the remitting bank, the name of the remitting bank, the name of the remitting bank, the remittee, the remittee account number, the remittee address, the remittee phone number, the remitter, remitter address, remitter's telephone number, and delivery information When requesting a storage means and a regular foreign exchange remittance transaction, in connection with the storage medium (or a storage medium operating means), the information corresponding to the account number for the foreign currency remittance transaction request request and / or extracted, and the regular foreign exchange remittance It characterized in that it comprises a forex remittance processing means for processing a transaction.

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

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

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This 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 showing the configuration of a forex remittance trading system according to an embodiment of the present invention.

In more detail, Figure 1 is a system configuration for providing a forex remittance transaction service that is extremely simplified in the foreign exchange remittance transaction process, such as domestic bank transfer transactions, the person skilled in the art to which the present invention pertains If it is possible to infer various implementation methods for the composition of the foreign exchange remittance trading system by referring to and / or modifying the drawing 1, the present invention includes all the implementation methods inferred above, The technical features are not limited only by the implementation method.

The financial institution providing the foreign exchange remittance transaction service provides at least one financial transaction (eg, credit, receiving, currency exchange, foreign exchange remittance, financial investment, etc.) through at least one face-to-face and / or face-to-face financial transaction channel. Characterized in that it comprises a financial system for.

According to an embodiment of the present invention, the financial system is connected to at least one window terminal provided at a branch (and / or a branch) of the financial institution through a predetermined financial network (eg, a branch network). In addition, through the window terminal provides a face-to-face foreign exchange remittance transaction service for at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, and provides a non-face-to-face foreign exchange remittance transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server 100, the network (eg, wired Internet, and / or IEEE) connected to the TCP / IP-based backbone network through the Internet banking server 100 Personal computer (PC) and / or notebook equipped with at least one client terminal (e.g., the wired Internet access and browsing function) connected to an 802.11x-based wireless LAN, and / or an IEEE 802.16x-based portable Internet, etc. And a non-face-to-face foreign exchange remittance transaction service to at least one or more financial transaction customers through a wireless LAN / portable Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server 100, through the wireless banking server 100 a predetermined wireless network (for example, CDMA (Code Division Multiple Access) based mobile communication network, And / or at least one wireless terminal 110 connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network (eg, a personal computer (PCS) equipped with a connection and browsing function for the mobile communication network). Communication systems and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smart phones and / or telematics, etc. Provide non-face-to-face foreign currency remittance transaction service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server 100, a predetermined wireless network (for example, code division multiple access (CDMA) through the IC chip-based wireless banking server 100) ) At least one wireless terminal 110 (e.g., a wireless IC equipped with a financial IC chip) connected to a mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. The terminal 110 provides the IC chip-based non-face-to-face foreign exchange remittance transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined telebanking server 100, a predetermined wired voice call network (for example, public switched telephone network (PSTN) through the telebanking server 100) At least one wired communication terminal (e.g., a telephone) connected to a wireless communication terminal (e.g., a telephone), and / or at least one wireless communication terminal (e.g., a code division multiple access (CDMA) based mobile communication network) PCS and / or GSM terminal and / or smart phone, etc.) provides a non-face-to-face foreign exchange transfer transaction service to at least one or more financial transaction customers.

In addition, the financial system is characterized in that associated with a predetermined home banking server 100, at least one or more home appliances (eg, digital connected to a home network) connected to a predetermined home network through the home banking server 100 Provide non-face-to-face foreign exchange remittance transaction service to at least one financial transaction customer through a TV and / or a refrigerator.

In addition, the financial system is characterized in that associated with a predetermined TV banking server 100, at least one digital TV (for example, connected to a predetermined return channel (Return Channel) through the TV banking server 100) It provides non-face-to-face foreign exchange remittance transaction service to at least one financial transaction customer through two-way digital TV, satellite DMB terminal, and terrestrial DMB terminal.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and / Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

Referring to FIG. 1 according to an embodiment of the present invention, the foreign system provided in the financial system is a foreign currency processing unit that processes foreign exchange remittance transactions with foreign financial systems provided in at least one or more foreign financial institutions through a predetermined international financial network. Characterized in that comprises a.

According to another exemplary embodiment of the present invention, the financial system may be provided with a separate foreign exchange system (not shown) for processing the foreign exchange remittance transaction, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, according to the present invention through the foreign exchange processing unit provided in the external world on the financial system, and / or a separate foreign exchange system (not shown) provided in the financial system Since you will be familiar with the detailed technical features of processing forex remittance transactions, the detailed description thereof will be omitted for convenience.

According to the present invention, in order to greatly simplify the foreign exchange remittance transaction process, such as a domestic bank transfer transaction, the financial institution is foreign exchange remittance with at least one foreign financial institution that provides forex remittance transaction through the international financial network Even if a part of the foreign exchange remittance transaction information included in the processing full text is omitted, and / or automatically inputted, mutual business cooperation is concluded so as to process the foreign exchange remittance transaction corresponding to the forex remittance processing full text.

Here, the foreign exchange remittance transaction information included in the foreign exchange remittance processing is a remittance classification (for example, gift women, international students, foreign systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, It is preferable to include at least one or more of the name of the remitting bank, the address of the remitting bank, the name of the remittee, the remittee account number, the remittee address, the remittee telephone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transmission.

Those skilled in the art to which the present invention belongs, will be familiar with the various foreign exchange remittance transaction information items according to the foreign exchange remittance amount and / or the type of foreign exchange remittance in addition to the foreign exchange remittance transaction information, the present invention all kinds It includes the information on the foreign currency remittance transaction of.

According to the implementation method of the present invention, the remittance amount, fee bearer (optional), country code among the foreign exchange remittance transaction information included in the foreign exchange remittance processing document by the conclusion of the business alliance between the financial institution and the foreign financial institution Omit any foreign currency remittance transaction information except for (optional), region code (optional), deposit bank name (optional), beneficiary account number, delivery details (optional), and / or It is desirable to have automatic input (or automatic processing).

According to the implementation method of the present invention, the remittance classification item of the foreign exchange remittance transaction information, omit the foreign exchange remittance transaction information input procedure by the business partnership, or to any one of the presenter, international student, overseas system It is preferable to define and use separate remittance classification information according to the business partnership instead of automatically selecting or omitting the procedure for entering the foreign currency remittance transaction information corresponding to the remittance classification item.

In addition, the currency code item of the foreign currency remittance transaction information, the operation of the foreign exchange remittance transaction information is omitted by the business partnership, and the financial institution and the business in the process of generating a special forex remittance processing including the forex remittance transaction information It is desirable to automatically process the currency code of the country where the foreign financial institution with which the alliance is located is located.

In addition, the fee bearer item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the fee bearer item is omitted, the fee bearer may be forcibly set to one of the remitter / recipient. After designating as the remitter first, it is preferable to process the remitter so that the fee bearer can be changed in the process of inputting (or selecting) the remittance transaction information.

In addition, the region code item among the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, if the foreign currency remittance transaction information input procedure of the area code item is omitted, the area code may include an account corresponding to the beneficiary account number in the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Preferably, the local code corresponding to the region where the branch is located is forcibly set, or the region code corresponding to the region where the branch in which the account corresponding to the beneficiary account number is opened is located in the process of inputting the foreign currency remittance transaction information. It is preferable to designate as first, and then process the remitter to change the area code during the process of inputting (or selecting) the remittance transaction information.

In addition, the country code item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the country code item is omitted, the country code is preferably set to a country code corresponding to the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Alternatively, in the process of inputting foreign currency remittance transaction information, the country code is first designated as a country code corresponding to the country in which the foreign financial institution that has concluded the business partnership is located, and then the remitter enters (or selects) the foreign currency remittance transaction information. It is preferable to process so that the country code can be changed.

In addition, the bank number item of the foreign currency remittance transaction information, omitting the procedure for inputting the foreign currency remittance transaction information by the business partnership, and the financial institution and the business in the process of creating a special forex remittance processing including the foreign currency remittance transaction information It is preferable to automatically process a bank number corresponding to an overseas financial institution with which an alliance is established.

In addition, among the FX remittance transaction information, the deposit bank name item may be omitted, or may be automatically input as mutually defined information, optionally by omitting the FX remittance transaction information input by the business partnership.

For example, in the case where the procedure for inputting the foreign currency remittance transaction information of the deposit bank name item is omitted, it is preferable that the deposit bank name is forcibly set to a bank name corresponding to an overseas financial institution that has entered into a business alliance with the financial institution. Alternatively, the transfer bank name is first designated as the bank name corresponding to the foreign financial institution that has concluded the business partnership in the process of entering the foreign currency remittance transaction information, and then the remitter is the name of the deposit bank in the process of inputting (or selecting) the foreign currency remittance transaction information. It is desirable to treat it so that it can be changed.

In addition, the deposit bank address item of the foreign exchange remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institution and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the deposit bank address corresponding to the overseas financial institution that has signed the business partnership.

In addition, the deposit bank store name item of the foreign currency remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institutions and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the name of the deposit bank store corresponding to the overseas financial institution that has signed the business partnership.

In addition, the payee item of the foreign currency remittance transaction information may omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and may include a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. Or, it may be desirable to automatically process separate (or any) payee information in accordance with the business partnership.

In addition, the recipient address of the remittance transaction information, omit the procedure for inputting the remittance transaction information by the business partnership, and set a null value in the process of generating a forex remittance processing full text including the remittance transaction information. It is desirable to include or automatically process separate (or any) payee address information in accordance with the business partnership.

In addition, the recipient telephone number item of the foreign currency remittance transaction information, omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and null value in the process of generating a full remittance forex remittance process including the forex remittance transaction information It is preferable to include, or automatically processed as a separate (or any) payee phone number information according to the business partnership.

In addition, the remitter item of the foreign currency remittance transaction information may omit the procedure for inputting the remittance transaction information by the business alliance, and set a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. It is preferable to extract the customer name of the financial transaction customer corresponding to the remitter from the customer ledger included in the ledger D / B on the financial system or to automatically process the remitter information.

In addition, the remitter address item of the foreign currency remittance transaction information is omitted in the process of generating a forex remittance processing full text including the forex remittance transaction information by omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer address of the financial transaction customer corresponding to the remitter from the customer ledger included in the ledger D / B on the financial system or to automatically process the remitter address information.

In addition, the remitter's phone number item of the foreign currency remittance transaction information is omitted in the process of creating a full-fledged foreign exchange remittance process including the forex remittance transaction information, omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer phone number of the financial transaction customer corresponding to the remitter from the customer ledger provided in the ledger D / B on the financial system or automatically processed by the remitter phone number information.

In addition, it is preferable that the transfer contents item of the foreign exchange remittance transaction information is automatically inputted by a null value when the foreign exchange remittance transaction information is input by the business alliance or can be changed when the information is input.

However, omitting and / or automatically inputting (or automatically processing) the mutually defined information to the foreign currency remittance transaction information included in the foreign currency remittance processing text is not limited to the above-described method, and the foreign exchange remittance transaction information is never limited. It is possible to apply a variety of modifications in accordance with the type of, and / or the content of business alliances with the foreign financial institutions, and / or the foreign exchange remittance policy of the financial institutions, the present invention comprises all of the modifications It features.

According to one embodiment of the present invention, the financial system is provided in the financial system in order to omit the foreign exchange remittance transaction information included in the entire foreign exchange remittance processing as described above, and / or to automatically input (or automatically process) the mutually defined information. The DBMS stores foreign currency remittance operation information for storing at least one item of omission target information and / or automatic input information and / or automatic processing information associated with the foreign financial institution in association with the foreign financial institution. Preferably, the foreign exchange remittance operation information stored in the DBMS provided on the financial system is a face-to-face foreign exchange remittance process using a window terminal, and / or a non-face-to-face using at least one financial transaction terminal and the banking server 100 It is preferable to be used to simplify the forex remittance procedure in the forex remittance process.

According to another exemplary embodiment of the present invention, at least one or more ratios may be omitted in order to omit the foreign exchange remittance transaction information included in the entire foreign remittance processing as described above, and / or to automatically input (or automatically process) the mutually defined information. The DBMS provided in the banking server 100 corresponding to the face-to-face financial transaction channel may include at least one omission target information item and / or automatic input information and / or automatic processing information according to a business partnership with the foreign financial institution. It is preferable to store forex remittance operation information stored in association with the processing information, the forex remittance operation information stored in the DBMS provided in the banking server 100 using at least one financial transaction terminal and the banking server 100 In the non-face-to-face foreign exchange remittance process, it is preferable to be used to simplify the foreign exchange remittance procedure.

According to another embodiment of the present invention, at least one or more to omit the foreign exchange remittance transaction information contained in the forex transfer processing text as described above, and / or to automatically input (or automatically process) to the mutually defined information The memory provided in the financial transaction terminal corresponding to the non-face-to-face financial transaction channel, and / or the memory provided in the financial integrated circuit (IC) card issued to the customer may include at least one piece of information to be omitted in accordance with a business partnership with the foreign financial institution. Preferably, the foreign currency remittance operation information for storing items and / or automatic input information and / or automatic processing information in association with the foreign financial institution information is stored. The foreign currency stored in the financial transaction terminal and / or the financial IC card is preferably stored. The remittance operation information is the non-face-to-face foreign exchange transfer using at least one financial transaction terminal and the banking server (100) and In the preferably used to simplify the foreign exchange transfer process.

2 is a view showing an embodiment of the configuration of the foreign currency remittance operation information for foreign exchange remittance transaction according to the embodiment of the present invention.

In more detail, Figure 2 is to omit and / or automatically input and / or automatically process some of the remittance transaction information included in the forex remittance processing document in order to simplify the remittance transaction process in accordance with a business partnership with an overseas financial institution. Regarding the construction of the information remittance operation information, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 2 to infer various implementation methods for the composition of the remittance operation information. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

According to the implementation method of the present invention, the foreign exchange remittance transaction information included in the foreign exchange remittance processing is a remittance classification (for example, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, It includes at least one country code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, remitter, remitter address, remitter's phone number and delivery details. It is characterized by.

Referring to FIG. 2, the remittance amount item and the recipient account number item are mandatory items among the foreign currency remittance transaction information, and the payee item, the payee address item, and the payee phone number item are omitted, and the fee bearer item and the contents of delivery are provided. Is automatically entered, remittance classification item, currency code item, area code item, country code item, bank number item, deposit bank name item, deposit bank address item, deposit bank name item, remitter item, remitter address item, remitter phone number The item is characterized in that it is automatically processed.

Referring to FIG. 2 according to an embodiment of the present invention, the remittance classification item among the foreign currency remittance transaction information defines a separate remittance classification item according to a business partnership with an overseas financial institution, and automatically processes the currency code. Is automatically processed as a currency code of the country where the foreign financial institution is located, the remittance amount item is a mandatory input item, and the fee bearer item is designated as a remitter first and can be changed when inputting information, and the area code item is the payee. The country code is automatically processed in the area code where the deposit bank corresponding to the account number is located. The country code item is automatically processed in the country code in which the foreign financial institution is located. The bank number item is the bank number corresponding to the foreign bank with which the business is affiliated. The name of the deposit bank name is the bank name corresponding to the foreign bank with which the business partner is affiliated. And the deposit bank address item is automatically processed to the branch address of the deposit bank corresponding to the payee account number, and the deposit bank store name item is automatically processed to the branch name of the deposit bank corresponding to the payee account number; The payee item is omitted according to the business cooperation, the payee account number item is a required input item, the payee address item is omitted according to the business cooperation, the payee phone number item is omitted according to the business cooperation, The remitter item is extracted from the customer ledger of the remitter provided in the financial institution and automatically processed, and the remitter address item is extracted from the customer ledger of the remitter provided in the financial institution and automatically processed. Is automatically extracted from the customer ledger of the remitter provided in the financial institution It said, the transmission information item is characterized in that it is possible to input information on input and then automatically enter a null (NULL) value.

However, the foreign currency remittance operation information is not limited to the implementation method shown in FIG. 2, but is a kind of fraudulent foreign currency remittance transaction information, and / or contents of a business alliance with the foreign financial institution, and / or of the financial institution. It is possible to apply various modifications by foreign exchange remittance policy and the like, and it is apparent that the present invention can be made by including all the above-described modified methods.

FIG. 3 is a diagram illustrating an information registration system for personalizing foreign exchange remittance operation information according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates that the predetermined client terminal 330 accesses a predetermined server provided on the forex trading system through a predetermined network means, and the client information for personalizing the forex transfer information and FIG. When providing forex remittance transaction information that personalizes some of the forex remittance management information shown, the system configured to process the stored customer information and personalized forex remittance transaction information linked to the storage medium 325 on the forex remittance trading system to store For those of ordinary skill in the art to which the present invention pertains, various implementation methods for constructing an information registration system for personalizing foreign exchange remittance operation information can be inferred by referring to and / or modifying the drawing 3. It will be appreciated that the present invention includes all implementation methods inferred from the above, and only the implementation method illustrated in FIG. It shall not be limited.

Hereinafter, in the information registration system shown in FIG. 3, personalized forex remittance operation information including information items changed by the customer information provided from the client terminal 330 and forex remittance transaction information personalizing the forex remittance operation information. A component corresponding to at least one or more means and / or functional configurations for storing the data in the storage medium 325 is referred to as " information registration server " for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for personalization of foreign exchange remittance operation information according to the present invention includes at least one client terminal 330 connected to a predetermined network means, and the client terminal. A storage medium 325 for linking and storing the personalized forex remittance operation information including the information item changed by the customer remittance information transmitted in step 330 and the forex remittance transaction information personalizing the forex remittance operation information, and the A foreign exchange that is connected to the client terminal 330 through a predetermined network means, receives customer information and personalized forex remittance transaction information transmitted through the network means, and personalizes the received customer information and the forex remittance operation information. Link personalized FX remittance operation information including information items changed by remittance transaction information. And characterized by comprising the storage information registered in the media server (325).

The client terminal 330 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. And / or at least one wireless terminal including at least one portable internet terminal connected to IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that, the client terminal 330 is provided by the information registration server At least one interface screen is output, and a function configuration (eg, a browser program and a communication function) for inputting and / or selecting at least one or more information through the interface screen and transmitting the information to the information registration server is provided. desirable.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of at least one or more of the wireless terminal 110 and / or the client terminal 330 corresponding to the wireless terminal. Detailed description is omitted for convenience.

When the client terminal 330 is a wired terminal according to an embodiment of the present invention, the network means comprises the TCP / IP based wired network, and when the client terminal 330 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 325 provided on the forex remittance transaction system according to the present invention includes information items changed by the forex remittance transaction information personalizing the customer information transmitted from the client terminal 330 and the forex remittance operation information. Characterized in that the personalized forex transfer operation information characterized in that the processing by storing.

Here, the foreign currency remittance transaction information is remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address It is preferable to include at least one of the name of the bank, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transmission.

According to an embodiment of the present invention, the personalized foreign exchange remittance operation information preferably comprises automatically setting the remittance classification item of the foreign exchange remittance transaction information to any one of the presenter, an international student, or an overseas system. Such personalization of remittance classification items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by inputting a specific amount of information in the remittance amount item of the remittance transaction information set to automatic input (or automatic processing) information, such a remittance amount item Personalization of is useful when the customer periodically remittances the same amount.

In addition, the personalized foreign currency remittance operation information is preferably made by setting the fee bearer item of the foreign currency remittance transaction information to either the remitter or the recipient as automatic input (or automatic processing) information, such a fee Personalization of the payer item is useful if the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably formed by inputting a specific numerical value to the recipient item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, Personalization is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific recipient address information in the recipient address item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such a recipient address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably made by inputting a specific recipient telephone number information in the recipient telephone number item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such as Personalization of the payee phone number entry is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized forex remittance operation information is preferably made by including a specific remitter information input to the remitter item of the remittance transaction information set to automatic input (or automatic processing) information, such personalization of the remitter item Is useful when the customer processes the same forex transaction periodically.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific remitter address information in the remitter address item of the remittance transaction information set to automatic input (or automatic processing) information, such remitter address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably made by including a specific remitter telephone number information in the remitter telephone number item of the foreign currency remittance transaction information set as automatic input (or automatic processing) information, such as Personalization of the remitter's phone number entry is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific delivery content information in the delivery content item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such delivery content Personalization of items is useful when the customer processes the same forex transaction periodically.

According to an embodiment of the present invention, the information registration server connects a predetermined communication channel with the client terminal 330 through the network means to provide a web interface corresponding to the client terminal 330 and the network means. And an interface unit 305 that manages the information registration server. The information registration server has a function of a web server which is connected to the client terminal 330 through a wired network and / or a wireless network. .

According to an embodiment of the present invention, when the client terminal 330 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 305 may connect the client terminal 330 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the client terminal 330 through the communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing predetermined customer information and personalized forex remittance transaction information input (or selected) through the interface screen from the client terminal 330.

According to another exemplary embodiment of the present invention, when the client terminal 330 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 305 is connected to the client terminal 330 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of WML (Wireless Markup Language) and / or HTML compatible document to the client terminal 330 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or information providing screen and receiving and processing predetermined customer information and personalized forex remittance transaction information corresponding to the interface screen from the client terminal 330.

According to another exemplary embodiment of the present invention, when the client terminal 330 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 305 is connected to the client terminal 330. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, transmit a predetermined interface screen and / or an information providing screen to the client terminal 330 through the communication channel, and output the same. It is preferable to perform a function of receiving and processing predetermined customer information and personalized forex remittance transaction information corresponding to the interface screen from 330, and / or the client terminal 330 is a DataTAC / Mobitex based wireless network. When the communication channel is connected to the wireless terminal through, the interface unit 305 is the client terminal 33 0) and a predetermined communication channel are connected based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and a predetermined interface screen and / or information providing screen is transmitted to the client terminal 330 through the communication channel and outputted. And, it is preferable to perform a function of receiving and processing predetermined customer information and personalized forex transfer transaction information corresponding to the interface screen from the client terminal 330.

Referring to FIG. 3, the information registration server 300 is stored in the DBMS shown in FIG. 1 when a client terminal 330 accesses the information registration server 300 through the interface unit 305. Generate (or extract) a predetermined interface screen for inputting (or selecting) predetermined customer information and personalized FX remittance transaction information on the client terminal 330 based on the FX remittance operation information, and generating (or extracting) The interface screen 310 to provide the interface screen 305 with the interface unit 305 to the client terminal 330, and the client terminal 330 through the interface screen in cooperation with the interface unit 305. An information receiving unit 315 for receiving (or selecting) and transmitting customer information and personalized forex remittance transaction information, and receiving the received customer information and the forex remittance operation information. And an information storage unit 320 for linking and processing the personalized forex transfer operation information including information items changed by personalized forex transfer transaction information to be stored in the storage medium 325.

The interface providing unit 310, when a predetermined client terminal 330 is connected to the information registration server 300 through the interface unit 305, foreign exchange for foreign financial institutions stored in the DBMS shown in Figure 1 Check a remittance operation information, and generate a predetermined interface screen for inputting (or selecting) predetermined customer information and personalized forex remittance transaction information in the client terminal 330 based on the confirmed remittance operation information; And / or extract from a predetermined database (not shown) and provide the generated (or extracted) interface screen to the client terminal 330 through the network means in association with the interface unit 305. do.

Thereafter, the client terminal 330 inputs (or selects) predetermined customer information and personalized forex remittance transaction information based on the interface screen, and inputs (or selects) the customer information and personalized forex remittance transaction information. It is transmitted to the information registration server 300 through the network means.

Here, the foreign currency remittance transaction information is remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address It is preferable to include at least one of the name of the bank, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transmission.

The information receiving unit 315 inputs (or selects) predetermined customer information and personalized foreign exchange remittance transaction information through the interface screen in the client terminal 330 and transmits the same through the network means. The customer information and the personalized foreign exchange remittance transaction information are received in connection with the customer information, and the received customer information and the personalized foreign exchange remittance transaction information are provided to the information storage unit 320.

The information storage unit 320 links the customer information received through the information receiving unit 315 with personalized forex remittance operation information including an information item changed by forex remittance transaction information for personalizing the forex remittance operation information. Process and store in the storage medium 325.

According to an embodiment of the present invention, the personalized foreign exchange remittance operation information preferably comprises automatically setting the remittance classification item of the foreign exchange remittance transaction information to any one of the presenter, an international student, or an overseas system. Such personalization of remittance classification items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by inputting a specific amount of information in the remittance amount item of the remittance transaction information set to automatic input (or automatic processing) information, such a remittance amount item Personalization of is useful when the customer periodically remits the same amount.

In addition, the personalized foreign currency remittance operation information is preferably made by setting the fee bearer item of the foreign currency remittance transaction information to either the remitter or the recipient as automatic input (or automatic processing) information, such a fee Personalization of the payer item is useful if the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably formed by inputting a specific numerical value to the recipient item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, Personalization is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific recipient address information in the recipient address item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such a recipient address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably made by including a specific recipient telephone number information in the recipient telephone number entry of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, and Personalization of the same payee phone number entry is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized forex remittance operation information is preferably made by including a specific remitter information input to the remitter item of the remittance transaction information set to automatic input (or automatic processing) information, such personalization of the remitter item Is useful when the customer processes the same forex transaction periodically.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific remitter address information in the remitter address item of the remittance transaction information set to automatic input (or automatic processing) information, such remitter address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably made by including a specific remitter telephone number information in the remitter telephone number item of the foreign currency remittance transaction information set as automatic input (or automatic processing) information, such as Personalization of the remitter's phone number entry is useful when the customer periodically processes the same forex transaction.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific delivery content information in the delivery content item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such delivery content Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In FIG. 3, the storage medium 325 is included in a predetermined DBMS managed by the information registration server 300, but the storage medium 325 is included in a DBMS provided on the financial system. And / or may be provided in the DBMS provided on the non-face-to-face foreign exchange remittance transaction system, whereby the present invention is not limited.

4 is a diagram illustrating an information registration process for personalization of the operation of the foreign exchange remittance information according to the embodiment of the present invention.

In more detail, FIG. 4 shows that the client terminal 330 on the information registration system shown in FIG. 3 is personalized with the customer information for personalization of the foreign currency remittance operation information to the information registration server 300 through a predetermined network means. When the foreign exchange remittance transaction information is transmitted, the information registration server 300 processes the personalized forex remittance operation information including the information item changed by the forex remittance transaction information to personalize the customer information and the forex remittance operation information. Regarding the process of storing in the storage medium 325, those of ordinary skill in the art to which the present invention pertains, the information registration process for personalization of the foreign exchange remittance operation information by referring to and / or modifying the Figure 4 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

Hereinafter, in FIG. 4, the information registration server 300 on the information registration system shown in FIG. 3 is referred to as " server " for convenience, and the client terminal 330 on the information registration system shown in FIG. 3 is referred to as " terminal " It is called.

Referring to FIG. 4, the terminal on the information registration system shown in FIG. 3 connects to the server through the network means and connects a communication channel for personalization of the foreign currency remittance operation information (400).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

When the communication channel for personalization of the foreign currency remittance operation information is connected between the terminal and the server as described above, the terminal requests the interface screen for personalization of the foreign currency remittance operation information to the server through the communication channel (405). Correspondingly, a predetermined personalization target forex remittance transaction information item that the server needs to confirm in order to input (or select) the customer information and personalized forex remittance transaction information in the terminal, and the forex remittance for personalized customer information An interface screen including a user interface for inputting (or selecting) transaction information is generated (or extracted) (410), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (415). ).

Thereafter, the terminal outputs the personalization target forex remittance transaction information item included in the interface screen to the screen output means provided in the terminal, before inputting (or selecting) the customer information and the personalized forex remittance transaction information. The process to confirm the personalization target forex remittance transaction information item (420).

If the personalized foreign exchange remittance transaction information item is confirmed in the terminal (for example, by clicking the confirmation button or selecting a confirmation menu in the terminal) (425), the corresponding customer information and the personalized foreign exchange remittance transaction information corresponding thereto. Through the user interface for input (or selection), the customer information and the personalized foreign exchange remittance transaction information are input (or selected).

Here, the foreign currency remittance transaction information is remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address It is preferable to include at least one of the name of the bank, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transmission.

If the customer information and personalized forex remittance transaction information is input (or selected) in the terminal (435), the terminal transmits the customer information and personalized forex remittance transaction information to the server through the communication channel ( In operation 440, the server generates predetermined personalized foreign currency remittance operation information corresponding to the personalized foreign currency remittance transaction information (445).

According to an embodiment of the present invention, the personalized foreign exchange remittance operation information preferably comprises automatically setting the remittance classification item of the foreign exchange remittance transaction information to any one of the presenter, an international student, or an overseas system. Such personalization of remittance classification items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by inputting a specific amount of information in the remittance amount item of the remittance transaction information set to automatic input (or automatic processing) information, such a remittance amount item Personalization of is useful when the customer periodically remittances the same amount.

In addition, the personalized foreign currency remittance operation information is preferably made by setting the fee bearer item of the foreign currency remittance transaction information to either the remitter or the recipient as automatic input (or automatic processing) information, such a fee Personalization of the payer item is useful if the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably formed by inputting a specific numerical value to the recipient item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, Personalization is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific recipient address information in the recipient address item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such a recipient address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign currency remittance operation information is preferably made by inputting a specific recipient telephone number information in the recipient telephone number item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such as Personalization of the payee phone number entry is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized forex remittance operation information is preferably made by including a specific remitter information input to the remitter item of the remittance transaction information set to automatic input (or automatic processing) information, such personalization of the remitter item Is useful when the customer processes the same forex transaction periodically.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific remitter address information in the remitter address item of the remittance transaction information set to automatic input (or automatic processing) information, such remitter address Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific remitter telephone number information in the remittance invoice number item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, and Personalization of the same remitter's phone number entry is useful when the customer periodically processes the same forex transaction.

In addition, the personalized foreign exchange remittance operation information is preferably made by including a specific delivery content information in the delivery content item of the foreign currency remittance transaction information set to automatic input (or automatic processing) information, such delivery content Personalization of items is useful when the customer processes the same forex transaction on a periodic basis.

Thereafter, the server processes the received customer information and the generated personalized foreign exchange remittance transaction information in a storage medium 325 shown in FIG. 3 (450).

According to an embodiment of the present invention, the storage medium 325 is included in a predetermined DBMS managed by the server as shown in FIG. 3 or in a DBMS provided on the financial system, and / Alternatively, the DBMS provided on the non-face-to-face foreign exchange remittance transaction system may be provided, and the present invention is not limited thereto.

5 is a diagram showing the configuration of an Internet banking-based forex remittance trading system according to an embodiment of the present invention.

In more detail, Figure 5 is a foreign exchange remittance trading system shown in Figure 1 is an Internet banking server 500 that provides a non-face-to-face financial transaction service based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network The banking server 100 of the client, the client terminal 540 is connected to the Internet banking server 500 to process at least one or more non-face-to-face financial transactions is a financial transaction terminal of the forex transfer system shown in Figure 1, When the foreign currency remittance operation information is provided in the DBMS on the financial system, showing a system configuration for providing a foreign currency remittance transaction service based on the Internet banking system, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the drawing 5, it is possible to infer various implementation methods for the composition of the foreign exchange remittance trading system. Said composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to configure a face-to-face exchange remittance transaction system based on a window terminal, or CD / ATM (Cash Dispenser / Non-face-to-face remittance transaction system configuration using an unmanned financial terminal including an automatic teller machine, or a wireless banking system and / or a telebanking system and / or a home banking system and / or a TV banking system and / or / or In the future, it is possible to infer a non-face-to-face foreign exchange remittance transaction system configuration including at least one of the non-face-to-face channel banking system, etc., but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited to implementation method.

Referring to FIG. 5 including an Internet banking based forex remittance trading system configuration corresponding to the method of the present invention, the forex remittance trading system includes at least one client terminal 540 with a predetermined web browser program, and Internet banking server 500 that provides at least one or more Internet banking services to the client terminal 540 through a network means including a wired communication network, and is connected to the Internet banking server 500 through a predetermined interface means. And a financial system for processing a financial service corresponding to the internet banking service.

The components of the Internet banking system for providing the foreign currency remittance transaction service according to the present invention are not limited to those described above, and further include at least one or more components omitted for convenience because they do not include the core technical matters of the present invention. Various modifications are possible, or in accordance with the intention of those skilled in the art.

That is, FIG. 5 illustrates the client terminal 540 and the Internet banking server based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 540. Although the method of implementing the Internet banking system for processing the foreign currency remittance transaction between the 500, those of ordinary skill in the art, Internet banking based finance using the browser program shown in Figure 5 The Internet for processing forex transfer transactions between the client terminal 540 and the internet banking server 500 based on a predetermined internet banking program mounted on the client terminal 540 by referring to and / or modifying a transaction channel connection method. It is possible to infer the banking system configuration, but the present invention is the Internet It includes an Internet banking system provided based on a banking program, by which the present invention is not limited.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the Internet banking-based forex transfer method shown in Figure 5 to the foreign currency remittance operation information to the client terminal 540 It is possible to infer an implementation method provided in the financial IC card issued to the customer, but characterized in that it comprises all the inferred implementation method of the present invention.

The client terminal 540 includes at least one web browser for accessing the Internet banking server 500 and receiving a browsing-based wired web service based on the TCP / IP-based wired communication function and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook, wherein the Internet banking server is provided through a predetermined network means including the TCP / IP-based Internet. 500 and a communication channel for internet banking is connected.

The financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various financial transaction interfaces through a common network (eg, a CD common network and a financial common network). The financial system also provides interfacing between components in the financial system. Is an interface module corresponding to a middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in a component in the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database for storing and managing the.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

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

Referring to FIG. 5 according to an embodiment of the present invention, the foreign system provided in the financial system is a foreign exchange processing unit that processes foreign exchange remittance transactions with foreign financial systems provided in at least one or more foreign financial institutions through a predetermined international financial network. Characterized in that comprises a.

According to another exemplary embodiment of the present invention, the financial system may be provided with a separate foreign exchange system (not shown) for processing the foreign exchange remittance transaction, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, according to the present invention through the foreign exchange processing unit provided in the external world on the financial system, and / or a separate foreign exchange system (not shown) provided in the financial system Since you will be familiar with the detailed technical features of processing forex remittance transactions, the detailed description thereof will be omitted for convenience.

Referring to FIG. 5 according to the embodiment of the present invention, the DBMS provided in the financial system omits the foreign exchange remittance transaction information included in the forex remittance processing when the internet banking-based forex remittance transaction is performed, and / or By automatically inputting (or automatically processing) the mutually defined information, at least one or more omission target information of at least one forex remittance transaction information as shown in FIG. 2 to greatly simplify the Internet banking based forex remittance transaction procedure. And store foreign currency remittance operation information for storing items and / or automatic input information and / or automatic processing information in association with the foreign financial institution information.

Here, the foreign currency remittance transaction information is remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address It is preferable to include at least one or more of the name of the bank, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary telephone number, the remitter, the remitter address, the remitter telephone number, the contents of the transfer.

Those skilled in the art to which the present invention belongs, will be familiar with the various foreign exchange remittance transaction information items according to the foreign exchange remittance amount and / or the type of foreign exchange remittance in addition to the foreign exchange remittance transaction information, the present invention all kinds It includes the information on the foreign currency remittance transaction of.

According to the implementation method of the present invention, the remittance classification item of the foreign exchange remittance transaction information, omit the foreign exchange remittance transaction information input procedure by the business partnership, or to any one of the presenter, international student, overseas system It is preferable to define and use separate remittance classification information according to the business partnership instead of automatically selecting or omitting the procedure for entering the foreign currency remittance transaction information corresponding to the remittance classification item.

In addition, the currency code item of the foreign currency remittance transaction information, the operation of the foreign exchange remittance transaction information is omitted by the business partnership, and the financial institution and the business in the process of generating a special forex remittance processing including the forex remittance transaction information It is desirable to automatically process the currency code of the country where the foreign financial institution with which the alliance is located is located.

In addition, the fee bearer item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the fee bearer item is omitted, the fee bearer may be forcibly set to one of the remitter / recipient. After designating as the remitter first, it is preferable to process the remitter so that the fee bearer can be changed in the process of inputting (or selecting) the remittance transaction information.

In addition, the region code item among the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, if the foreign currency remittance transaction information input procedure of the area code item is omitted, the area code may include an account corresponding to the beneficiary account number in the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Preferably, the local code corresponding to the region where the branch is located is forcibly set, or the region code corresponding to the region where the branch in which the account corresponding to the beneficiary account number is opened is located in the process of inputting the foreign currency remittance transaction information. It is preferable to designate as first, and then process the remitter to change the area code during the process of inputting (or selecting) the remittance transaction information.

In addition, the country code item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the country code item is omitted, the country code is preferably set to a country code corresponding to the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Alternatively, in the process of inputting foreign currency remittance transaction information, the country code is first designated as a country code corresponding to the country in which the foreign financial institution that has concluded the business partnership is located, and then the remitter enters (or selects) the foreign currency remittance transaction information. It is preferable to process so that the country code can be changed.

In addition, the bank number item of the foreign currency remittance transaction information, omitting the procedure for inputting the foreign currency remittance transaction information by the business partnership, and the financial institution and the business in the process of creating a special forex remittance processing including the foreign currency remittance transaction information It is preferable to automatically process a bank number corresponding to an overseas financial institution with which an alliance is established.

In addition, among the FX remittance transaction information, the name of the deposit bank name may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, in the case where the procedure for inputting the foreign currency remittance transaction information of the deposit bank name item is omitted, it is preferable that the deposit bank name is forcibly set to a bank name corresponding to an overseas financial institution that has entered into a business alliance with the financial institution. Alternatively, the transfer bank name is first designated as the bank name corresponding to the foreign financial institution that has concluded the business partnership in the process of entering the foreign currency remittance transaction information, and then the remitter is the name of the deposit bank in the process of inputting (or selecting) the foreign currency remittance transaction information. It is desirable to treat it so that it can be changed.

In addition, the deposit bank address item of the foreign exchange remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institution and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the deposit bank address corresponding to the overseas financial institution that has signed the business partnership.

In addition, the deposit bank store name item of the foreign currency remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institutions and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the name of the deposit bank store corresponding to the overseas financial institution that has signed the business partnership.

In addition, the payee item of the foreign currency remittance transaction information may omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and may include a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. Or, it may be desirable to automatically process separate (or any) payee information in accordance with the business partnership.

In addition, the recipient address of the remittance transaction information, omit the procedure for inputting the remittance transaction information by the business partnership, and set a null value in the process of generating a forex remittance processing full text including the remittance transaction information. It is desirable to include or automatically process separate (or any) payee address information in accordance with the business partnership.

In addition, the recipient telephone number item of the foreign currency remittance transaction information, omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and null value in the process of generating a full remittance forex remittance process including the forex remittance transaction information It is preferable to include, or automatically processed as a separate (or any) payee phone number information according to the business partnership.

In addition, the remitter item of the foreign currency remittance transaction information may omit the procedure for inputting the remittance transaction information by the business alliance, and include a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. Alternatively, it is preferable to extract the customer name of the financial transaction customer corresponding to the remitter from the customer ledger provided in the ledger D / B on the financial system and automatically process the remitter information.

In addition, the remitter address item of the foreign currency remittance transaction information is omitted in the process of generating a forex remittance processing full text including the forex remittance transaction information by omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer address of the financial transaction customer corresponding to the remitter from the customer ledger included in the ledger D / B on the financial system or to automatically process the remitter address information.

In addition, the remitter's phone number item of the foreign currency remittance transaction information is omitted in the process of creating a full-fledged foreign exchange remittance process including the forex remittance transaction information, omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer phone number of the financial transaction customer corresponding to the remitter from the customer ledger provided in the ledger D / B on the financial system or automatically processed by the remitter phone number information.

In addition, it is preferable that the transfer contents item of the foreign exchange remittance transaction information is automatically processed to be inputted with a null value when the foreign exchange remittance transaction information is input or the information can be changed when the information is input.

The internet banking server 500 may store 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 540, and / or It is provided with a DBMS including a database for storing Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system, or in accordance with the method characterized in that the interworking with the data server provided with the DBMS. By doing so, a predetermined internet banking service is provided to at least one or more of the client terminals 540.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal 540 when at least one or more client terminals 540 access and log in to the Internet banking server 500. Or when the customer authenticates the financial transaction customer at least one financial transaction through the internet banking server 500, and / or when the customer subscribes to the internet banking server 500 at least one financial product. Customer authentication information for authenticating a customer subscribing to a banking element, and a banking element for processing a financial transaction corresponding to the financial transaction request by interworking with the financial system when the financial transaction request is made from the client through the client terminal 540. It is preferable to include information, and the information necessary for internet banking according to the intention of the skilled person But can also contain a further one or more of information, the figure 5, it will be omitted for convenience.

Referring to FIG. 5, the Internet banking server 500 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more client terminals 540. A web page operation unit 515 for operating a web page to be provided to at least one or more of the client terminals 540 in conjunction with an interface unit 505, the web interface unit 505, and the DBMS; A UI processing unit 510 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal 540 in association with the unit 515 and the UI processing unit 510. And extracts predetermined content for providing the Internet banking service from the DBMS or from the client terminal 540 to be stored in the DBMS. Characterized in that it comprises a content management unit 520 for receiving content, the communication for processing the Internet banking based on HTTP between the client terminal 540 and the Internet banking server 500 by the functional configuration Channels and user interfaces are implemented.

In addition, the Internet banking server 500 authenticates the customer with at least one client terminal 540 in association with the webpage operation unit 515 through the UI processing unit 510 based on the customer authentication information of the Internet banking information. A customer authentication unit 525 may be provided to provide an interface screen or receive at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 500 performs a financial transaction to at least one client terminal 540 in association with the webpage operation unit 515 through a UI processing unit 510 based on the banking element information of the internet banking information. A banking processor 530 may be provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 500 comprises a ledger processing unit 535 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system through a predetermined interface means, and The ledger processing unit 535 is preferably connected to the external system of the financial system through the interface means.

The customer authentication information stored in the DBMS includes at least one of ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 500 through the client terminal 540. It is preferable to include the member information included above, wherein the customer authentication unit 525 requests the ID / PW information of the customer to the client terminal 540 in conjunction with the UI processing unit 510, The client terminal 540 receives the ID / PW information and compares the received ID / PW information with ID / PW information included in the member information to authenticate the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 500 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal 540 is encrypted using at least one or more of a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method Preferably, the customer authentication unit 525 further includes a function configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (eg, financial settlement agency) and certificate server information that issued a predetermined certificate to the customer connected through the client terminal 540, and / or the certificate registration Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 525 requests a certificate-based customer authentication through an authentication certificate registered by the registrar to the certificate server of the certification authority, and receives the result of the customer authentication from the certificate server. By receiving, characterized in that for authenticating the customer.

According to an embodiment of the present invention, the customer authentication unit 525 provides communication session information and the certificate information connected to the client terminal 540 to the authentication server of the certification authority, and the authentication server provides the communication session information. After performing a customer authentication procedure corresponding to the certificate information to the client terminal 540 on the basis, it is preferable to provide the result to the customer authentication unit 525.

In addition, the customer authentication information stored in the DBMS is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 500 through the client terminal 540, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 525 is linked with the authentication server of the certification authority that issued a predetermined certificate to the client the client terminal 540 Requesting the certificate-based customer information from the client terminal 540, receiving the certificate-based customer information from the client terminal 540, and authenticating the certificate-based customer information through a copy of the certified certificate and / or a directory of a certification authority, It is characterized in that the authentication.

According to an exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 525 or a predetermined random number generated by the client terminal 540, in which case the The client terminal 540 uses at least one of a symmetric key (or secret key) encryption scheme, and / or a public key encryption scheme, and / or an electronic envelope encryption scheme, and / or a key exchange encryption scheme for the random number. Encrypted through one or more encryption schemes provided to the customer authentication unit 525 (for example, if the random number is generated in the client terminal 540 further includes a random number in the form of a plain text), the customer authentication unit 525 ) Compares each other by decrypting the encrypted random number based on the copy of the customer's certificate and / or the certificate information of the customer extracted from the directory. Or, and / or encrypt and compare the random number in the plain text form (eg, the random number generated by the customer authentication unit 525 and / or the random number generated by the client terminal 540) to mutually authenticate the customer. It is preferable.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the client terminal 540 previously stored information (for example, the Internet banking server 500 stored in the storage device of the client terminal 540). Information, and / or information (or system information) previously stored in the client terminal 540, and / or storage read out from an IC card (and / or IC chip) interworking with the client terminal 540. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the client terminal 540 is the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange for the stored information through the certificate At least one of the encryption methods The encryption method is provided through the above encryption method and provided to the customer authentication unit 525, based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory by the customer authentication unit 525. It is desirable to authenticate the customer by decrypting and comparing the encrypted stored information.

According to another exemplary embodiment of the present invention, the certificate-based customer information may include input information (eg, a key input device provided in the client terminal 540) input through an input means provided in the client terminal 540. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the client terminal 540, and in this case, the client terminal 540. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. The encryption is provided to the customer authentication unit 525, and the image is extracted from the copy of the customer's official certificate and / or the directory in the customer authentication unit 525 It decrypts the client's encrypted certificate information based on the input information, by mutual comparison, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 525 interoperates with the UI processing unit 510, requests a predetermined OTP code from the client terminal 540, receives the OTP code from the client terminal 540, and based on the OTP generation information. By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic at the client terminal 540 to provide a more advanced security function It is preferable that the encryption is received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 525 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When the banking processing unit 530 requests at least one financial transaction (eg, account inquiry, bank transfer, bill payment, etc.) for the foreign exchange remittance transaction according to the present invention from the client terminal 540, the UI processing unit 510 In conjunction with the present invention, a financial transaction request information input interface screen corresponding to the requested financial transaction is provided to the client terminal 540, and a predetermined financial is provided from the client terminal 540 through the financial transaction request information input interface screen. When the transaction request information is input (or selected) and received, the banking element information is generated (or extracted) and provided to the ledger processing unit 535 with reference to the banking element information. It is characterized by.

For example, when the financial transaction requested from the client terminal 540 is an account transfer transaction, the banking processing unit 530 interoperates with the UI processing unit 510 to transmit information to the client terminal 540 (for example, the account transfer). And a predetermined interface screen for inputting (or selecting) withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and transfer the account through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is inputted (or selected) and received, the withdrawal is referred to with reference to the banking element information. Generate predetermined financial transaction information for withdrawing the transfer amount from the account and depositing it into the deposit account. Ball.

According to the exemplary embodiment of the present invention, the banking processor 530 receives at least one financial transaction request information from the client terminal 540 and performs at least one customer authentication scheme in cooperation with the customer authentication unit 525. It is preferable to authenticate the customer who requested the financial transaction through the client, thereby providing confidentiality (for the customer who requested the financial transaction through the client terminal 540 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processor 530 may be configured to secure confidentiality, authentication, integrity, and nonrepudiation of at least one financial transaction request information transmitted from the client terminal 540. In step 540, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 530 receives the financial transaction request information from the client terminal 540, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 530 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the client terminal 540 for at least one financial transaction. In this case, the financial transaction request information may be encrypted and transmitted in an electronic envelope method. In this case, the banking processor 530 may receive the financial transaction request information from the client terminal 540 and decrypt the electronic transaction method. Preferably, this ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 535 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 530, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system, extract the identified ledger information from the ledger on the financial system through the interface means, and / or correspond to the financial transaction information. And generate (or extract) ledger record information recorded in the ledger on the financial system, and record the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

For example, the financial transaction requested from the client terminal 540 is an account inquiry transaction for the last one month, and the financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry is performed by the banking processor 530. When it is generated (or extracted), the ledger processing unit 535 is connected with the account ledger (and / or the account ledger) associated with the customer ledger on the financial system through the interface means based on the financial transaction information for the account inquiry The transaction history of the account is extracted from the transaction history of the account) and provided to the banking processor 530.

According to the present invention, the banking processing unit 530 is linked to the UI processing unit 510 and / or web page operation unit 515 for the Internet banking-based forex transfer transaction service of at least one or more foreign financial institutions The client terminal 540 generates (or extracts) an interface screen that selects (or inputs) a foreign financial institution to which a foreign currency transfer target is specified, and generates the interface screen that is generated (or extracted) through the web interface unit 505. It characterized in that the transmission to.

Subsequently, when the client terminal 540 selects (or inputs) a foreign financial institution to which a foreign currency remittance target is made through the interface screen, and transmits selection information to the foreign financial institution to which foreign currency remittance corresponds, the web interface unit. Receiving selection information to the foreign financial institution subject to the foreign currency remittance through (505), query the DBMS on the financial system through the ledger processing unit 535 to select the foreign financial institution subject to the foreign currency remittance corresponding to the selection information Confirm the foreign currency remittance operation information including at least one information item and / or automatic input information and / or automatic processing information.

If the foreign currency transfer operation information corresponding to the selection information to the foreign financial institution subject to the foreign exchange remittance is not confirmed, the banking processing unit 530 provides an Internet banking gib or foreign exchange remittance transaction service according to the conventional foreign exchange remittance procedure.

On the other hand, when the foreign currency remittance operation information corresponding to the selection information to the foreign financial institution targeted for foreign currency remittance is confirmed, the banking processing unit 530 is linked to the UI processing unit 510 and / or the web page operation unit 515 the foreign exchange Generates an interface screen for inputting (or selecting) the remittance subject information included in the remittance operation information and the required input items other than the automatic processing information and the foreign currency remittance transaction information corresponding to the automatic input information, and the web interface unit 505 It is characterized in that for transmitting the generated (or extracted) interface screen to the client terminal 540 through.

According to the embodiment of the present invention, the required input item may include a remittance amount item and a payee account number item, and the automatic input information may be selectively included according to the intention of those skilled in the art.

According to another exemplary embodiment of the present invention, the automatic input information may be omitted from the interface screen, and in this case, the automatic input information may be automatically converted into automatic processing information.

Thereafter, the client terminal 540 inputs the foreign currency remittance transaction information corresponding to the required input item through the interface screen, and maintains or changes the foreign exchange remittance transaction information corresponding to the automatic input information. When the corresponding foreign currency remittance transaction information is transmitted, the foreign currency remittance transaction information is received through the web interface 505.

When the forex remittance transaction information corresponding to the required input item and the auto input item is received from the client terminal 540, the banking processor 530 selects at least one information item corresponding to the automatic processing information among the forex remittance transaction information. And / or extract and / or generate.

According to the method of the present invention, the banking processing unit 530 reads the foreign currency remittance transaction information (e.g., area code item, deposit bank address item, deposit) corresponding to at least one or more automatic processing information which can be confirmed by reading the payee account number. Remittance transaction information (e.g., currency code item, country code item, etc.) corresponding to at least one or more automatic processing information for identifying a bank store name item and / or confirming the foreign financial institution subject to the foreign currency remittance through selection information. Bank number entries, etc.).

In addition, the banking processing unit 530 is to extract the foreign currency remittance transaction information (for example, remitter items, remitter address items, remitter phone number items) extracted from the customer ledger provided in the ledger D / B provided in the financial system desirable.

In addition, the banking processing unit 530 generates a foreign exchange remittance transaction information corresponding to an information item that can be omitted in accordance with the business alliance with the foreign financial institution corresponding to the selection information for the foreign financial institution subject to the foreign currency remittance to a null value It is preferable.

Thereafter, the banking processing unit 530 generates a predetermined forex remittance processing telegram including the required input item and the automatic input information received from the client terminal 540 and the automatic processing information generated, the extracted / extracted / generated information, Characterized in that it provides the forex transfer full text to the financial system through the ledger processing unit 535.

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure transmitted and received through the international financial network, detailed description thereof will be omitted for convenience.

The financial system provided with the foreign currency remittance processing full text from the internet banking server 500 is the foreign currency remittance processing specialty through the international financial network to the financial system of the foreign financial institution corresponding to the selected foreign financial institution for the selected information By performing the transmission, a forex remittance procedure corresponding to the forex remittance transaction information is performed.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of transmitting the full text of the foreign currency remittance processing through the international financial network, a detailed description thereof will be omitted for convenience.

6 is a diagram illustrating a process of connecting a financial transaction channel for an internet banking-based forex remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 6 is a forex remittance transaction system shown in FIG. 1 by an Internet banking server 500 that provides a non-face-to-face financial transaction service based on a transmission control protocol / Internet protocol (TCP / IP) based wired communication network. The banking server 100 of the client, the client terminal 540 is connected to the Internet banking server 500 to process at least one or more non-face-to-face financial transactions is a financial transaction terminal of the forex transfer system shown in Figure 1, When the foreign currency remittance operation information is provided in the DBMS on the financial system, the client terminal 540 and the internet banking server 500 perform a predetermined customer authentication procedure to provide a foreign currency remittance transaction service based on an internet banking system. As an embodiment of the present invention, the present invention relates to an internet banking-based financial transaction channel. Those skilled in the art can refer to and / or modify this drawing 6 to infer various implementation methods for connecting an internet banking-based financial transaction channel for foreign currency remittance transactions between the client terminal 540 and the internet banking server 500. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 6 shows a connection to the Internet banking server 500 through a browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 540. Although an implementation method of connecting an internet banking-based financial transaction channel for foreign exchange remittance transaction between the client terminal 540 and the internet banking server 500 based on the browser program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art may refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 6 and based on a predetermined internet banking program mounted on the client terminal 540. Forex remittance transaction between the terminal 540 and the Internet banking server 500 It would be possible to infer an implementation method of connecting an internet banking based financial transaction channel, but the present invention includes provided internet banking based financial transactions based on the internet banking program, whereby the present invention is not limited thereto.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 6, in addition to the internet banking system, and a telebanking system and / or Other banking systems, such as wireless banking systems and / or home banking systems and / or TV banking systems, may infer a method of implementing non-face-to-face channel-based financial trading channels for forex transfers, but the present invention may infer the tele- Banking systems and / or wireless banking systems and / or and / or home banking systems and / or TV banking systems and / or any non-face-to-face channel banking systems proposed in the future, The technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 6, the client terminal 540 is referred to as a "terminal" for convenience, and the Internet banking server 500 is referred to as a "server" for convenience.

Referring to FIG. 6, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (y00), the server connects a communication channel between the terminal and the server through the browser. (y05), wherein the communication channel is generated (or extracted) a predetermined web page by a request of a browser program included in the client terminal 540 and transmitted to the client terminal 540 by the server. Assigns a predetermined communication session so that a browser program included in the client terminal 540 receives at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. Means.

According to another embodiment of the present invention, when the client terminal 540 is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one of the Internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (y10).

According to another exemplary embodiment of the present invention, when the client terminal 540 is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. You can check whether you want to update the program (and / or the security module associated with the Internet banking program).

If a predetermined security module is mounted on the terminal and / or needs to be updated (y15), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Mount and / or update (y20).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (y25), or if the terminal does not need to mount and / or update the Internet banking security module (y15), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (y30), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or an encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the information), and the information (or information) to be provided from the terminal to the server for a foreign currency remittance transaction. Attaching a predetermined digital signature to data and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the client terminal 540 is provided with a predetermined internet banking program, the Internet banking-based secure channel is provided from the server to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method. Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm), and also from the terminal to the server for a foreign currency remittance transaction. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (y35).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Requesting (y40), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (y45).

If the Internet banking customer authentication fails (y50), the server blocks the Internet banking security channel for the terminal (y55), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication is successful (y50), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (y60), where the Internet banking-based The financial transaction channel refers to a communication channel capable of providing a non-face-to-face internet banking-based forex remittance transaction in the server in response to the forex remittance transaction request requested from the terminal.

7A and 7B are diagrams illustrating a process of exchanging transactions based on Internet banking according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate the Internet banking-based FX remittance transaction system shown in FIG. 5, wherein the client terminal 540 is connected to the Internet banking server 500 through the process shown in FIG. After accessing and performing a predetermined customer authentication procedure, if an internet banking-based financial transaction channel is connected between the client terminal 540 and the internet banking server 500, the client terminal 540 performs the internet banking-based financial transaction. Request forex remittance transaction to the internet banking server 500 through a channel, and forex remittance transaction information corresponding to the requested forex remittance transaction in the internet banking server 500. As an embodiment of the present invention is based on an extremely simplified process, and having ordinary skill in the art to which the present invention pertains, 7a and 7b may be inferred from various financial transaction methods using an internet banking-based financial transaction channel between the client terminal 540 and the internet banking server 500. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

That is, FIGS. 7A and 7B are provided to the Internet banking server 500 through a predetermined browser program (eg, Microsoft's Internet Explorer and / or Netscape's Netscape Navigator, etc.) included in the client terminal 540. When the Internet banking-based financial transaction channel is connected to the internet banking, a method of processing a financial transaction requested from the client terminal 540 through the browser program is illustrated. However, the present disclosure has general knowledge in the technical field to which the present invention pertains. Growing up, the client terminal (based on a predetermined Internet banking program mounted on the client terminal 540 by referring to and / or modifying the Internet banking-based financial transaction method using the browser programs shown in FIGS. 7A and 7B) 540 and the Internet banking server 500 It is possible to infer a form of internet banking based financial transaction method, but the present invention includes provided internet banking based financial transaction based on the internet banking program, and the present invention is not limited thereto.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction method shown in FIGS. 7A and 7B, in addition to the Internet banking system, and / or a telebanking system. Or another banking system, such as a wireless banking system and / or a home banking system and / or a TV banking system, may infer a non-face-to-face channel based financial transaction method for forex transfers, but the present invention provides the telebanking system and / or Or a non-face-to-face channel based financial transaction method of any kind, including a wireless banking system and / or a home banking system and / or a TV banking system and / or a non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 7A and 7B.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the Internet banking-based forex transfer method shown in Figures 7a and 7b to the forex operation information is the client terminal ( 540, or may be inferred the implementation method provided in the financial IC card issued to the customer, it characterized in that it comprises all the inferred implementation method of the present invention.

7A and 7B, the client terminal 540 shown in FIG. 5 is referred to as "terminal" for convenience, and the Internet banking server 500 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIGS. 7A and 7B, when an internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 6, the terminal establishes the inter-banking-based financial transaction channel for foreign exchange remittance transaction. If the server requests an internet banking-based forex transfer transaction through the server (700), the server corresponds to at least one foreign banking institution that can process the forex transfer transaction in response to the internet banking-based forex transfer transaction requested from the terminal. Generate (or extract) an interface screen for selecting (or input) a foreign financial institution subject to a foreign exchange remittance (705), and generate (or extract) a web page including the interface screen to generate the financial transaction channel. Through the transmission to the terminal (710).

Thereafter, the terminal checks whether the selection information is selected (or input) at a predetermined foreign exchange target foreign financial institution through an interface screen for selecting (or inputting) selection information of the foreign financial institution subject to the foreign currency remittance (715). If the selected information is selected (or input) to the foreign financial institution to which the foreign exchange target is a predetermined foreign currency through the interface screen (720), the terminal is the foreign currency transfer target selected (or input) to the server through the financial transaction channel Selection information is sent to the foreign financial institution (725).

The server receives selection information of the foreign financial institution subject to the foreign currency remittance through the financial transaction channel, and the foreign currency remittance operation information provided in the DBMS on the financial system based on the selection information of the foreign financial institution subject to the foreign currency remittance. By querying, the foreign financial institution subject to the foreign currency remittance checks whether the foreign currency remittance operation information corresponding to the selection information exists (730).

If the foreign currency remittance operation information corresponding to the selection information to the foreign financial institution subject to the foreign currency remittance is not confirmed (735), the server is divided into remittance classification (for example, women, international students, overseas systems as shown in Figure 8) Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter, remitter address Forex remittance transaction is performed through the remittance interface, which inputs (or selects) all the remitter's phone numbers and the contents of delivery.

On the other hand, if the foreign currency remittance operation information corresponding to the selection information to the foreign financial institution targeted for foreign currency remittance is not confirmed (735), the server checks at least one or more required input items and automatic input information from the confirmed foreign exchange remittance information; In operation 740, a predetermined interface screen for inputting (or selecting) the identified required input item and the automatic input item is generated (or extracted).

According to the embodiment of the present invention, the required input item may include a remittance amount item and a payee account number item, and the automatic input information may be selectively included according to the intention of those skilled in the art.

According to another exemplary embodiment of the present invention, the automatic input information may be omitted from the interface screen, and in this case, the automatic input information may be automatically converted into automatic processing information.

According to an exemplary embodiment of the present invention, the interface screen may include a user interface for inputting (or selecting) a required input item corresponding to the foreign currency remittance operation information and changing (or selecting) the automatic input information. It is preferable to include.

In addition, when the interface screen inputs outward remittance transaction information corresponding to a mandatory input item in the terminal, the Internet banking information on the forex remittance transaction information corresponding to the mandatory input item and the forex remittance transaction information corresponding to automatic input information may be used. It is preferable to include a function for generating a foreign currency transfer request information for transmitting to the server according to the procedure.

In addition, the interface screen may be provided to a security card issued to a customer in the process of applying for a predetermined password (eg, account password, etc.) and / or security code (eg, internet banking) in order to authenticate the validity of the generated foreign money transfer request information. Printed security codes) and / or one-time passwords (e.g., one-time passwords generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

Thereafter, the server generates (or extracts) a web page including an interface screen including essential input items and automatic input information corresponding to the foreign currency remittance operation information, and transmits the webpage to the terminal through the financial transaction channel ( In operation 750, the terminal checks whether the foreign currency remittance transaction information corresponding to the required input item is input (or selected) through the interface screen (755).

According to the embodiment of the present invention, the automatic input information included in the interface screen may not be input (or selected) in the terminal. In this case, the automatic input information is processed as the foreign exchange remittance transaction information as it is.

If the terminal inputs (or selects) the foreign currency remittance transaction information corresponding to the required input item (760), the terminal sends the foreign currency remittance transaction information corresponding to the required input item and the foreign currency remittance corresponding to the automatic input information. Predetermined forex remittance request information including transaction information is generated (765).

According to an embodiment of the present invention, the foreign currency remittance request information through the financial transaction channel corresponds to the foreign currency remittance transaction information and the automatic input information corresponding to the required input item input (or selected) through the interface screen. It is preferable to include the information of the foreign currency remittance transaction.

The foreign currency remittance request information may include at least one or more passwords and / or security codes and / or OTP codes input through the interface screen to confirm validity of the foreign currency remittance request information.

Thereafter, the terminal transmits the foreign currency remittance request information to the server through the financial transaction channel (770).

According to the exemplary embodiment of the present invention, transmitting the foreign currency remittance request information to the server through the financial transaction channel includes: foreign exchange remittance transaction information corresponding to the required input item input (or selected) through the interface screen; Forex remittance transaction information corresponding to the automatic input information, and at least one password and / or security code and / or OTP code input through the interface screen to confirm the validity of the remittance request information to the terminal It comprises the electronic signature and / or encryption through the provided security module and transmitting to the server.

Thereafter, the server receives and reads the foreign currency remittance request information through the financial transaction channel, thereby confirming the validity of the foreign currency remittance request information (775).

According to an embodiment of the present invention, receiving and reading the FX remittance request information through the financial transaction channel and confirming validity may decode the FX remittance request information received from the terminal and / or the FX remittance request information. This includes checking the digital signature attached to it.

In addition, the validity check of the foreign currency remittance request information, preferably further comprises authenticating the password and / or security code and / or OTP code included in the forex remittance request information.

If the validity of the foreign currency remittance request information is not authenticated (780), the server generates a web page including predetermined foreign currency remittance error information and transmits it to the terminal (782), corresponding to the foreign currency remittance request information. Do not carry out the foreign currency remittance procedure.

On the other hand, if the validity of the foreign currency remittance request information is authenticated (780), the server identifies and / or extracts at least one or more automatic processing information to be included in the forex remittance processing full text using the forex remittance transaction information from the forex remittance operation information. And / or create 784.

According to an embodiment of the present invention, the server may read the remittance account number, the foreign exchange remittance transaction information corresponding to at least one or more automatic processing information (eg, area code item, deposit bank address item, deposit bank store name item, etc.) ) And / or foreign exchange remittance transaction information (e.g., currency code item, country code item, bank number item, etc.) corresponding to at least one or more automatic processing information which can confirm the foreign financial institution subject to the foreign currency remittance through selection information. Is preferable.

In addition, the server preferably extracts forex remittance transaction information (eg, remitter item, remitter address item, remitter phone number item) extractable from the customer ledger provided in the ledger D / B provided in the financial system.

In addition, the server preferably generates a foreign currency remittance transaction information corresponding to the information items that can be omitted in accordance with the business alliance with the foreign financial institution corresponding to the selected foreign financial institution for the foreign currency remittance to a null value.

Thereafter, the server transmits the foreign currency remittance transaction information corresponding to the required input item included in the foreign currency remittance request information and the foreign currency remittance transaction information corresponding to the automatic input information and the automatic processing information generated by the confirmation and / or extraction and / or generated. A predetermined forex transfer processing text including corresponding forex transfer information is generated (786).

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure transmitted and received through the international financial network, detailed description thereof will be omitted for convenience.

Thereafter, the server performs a forex transfer procedure using the forex transfer preamble in association with the financial system (788).

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains know the technical features of performing the forex transfer procedure corresponding to the forex remittance transaction information by transmitting the full text of the forex remittance processing through the international financial network. Since there will be, a detailed description thereof will be omitted for convenience.

If the foreign currency remittance procedure is not completed normally (790), the server generates a web page containing a predetermined foreign currency remittance error information and transmits to the terminal (782), the foreign exchange responsive to the forex remittance request information Do not perform the procedure.

If the foreign currency remittance procedure is completed normally (790), the server generates a web page containing the foreign currency remittance history information including the result of the predetermined foreign currency transfer approval and transmits to the terminal (792), Complete the foreign currency remittance transaction procedure requested from the terminal.

8 is a diagram illustrating a foreign exchange remittance transaction process according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a case in which foreign currency remittance operation information corresponding to selection information of the foreign financial institution subject to the foreign currency remittance is not confirmed while performing the internet banking-based foreign exchange remittance transaction procedure shown in FIGS. 7a and 7b. Remittance classification (e.g., women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, recipient It is about the process of performing the foreign exchange remittance transaction process through the FX remittance interface which inputs (or selects) all the account number, payee address, payee phone number, remitter, remitter address, remitter's phone number, and delivery details.

Hereinafter, in FIG. 8, the client terminal 540 illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the Internet banking server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 8, if the foreign exchange remittance operation information corresponding to the selection information of the foreign financial institution subject to the foreign currency remittance is not confirmed while performing the internet banking based foreign exchange remittance transaction procedure shown in FIGS. 7A and 7B, the server The remittance classification (for example, women, foreign students, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank name, bank name, Create (or extract) an interface screen that includes a foreign currency remittance interface that inputs (or selects) the recipient, recipient account number, recipient address, recipient telephone number, remitter, remitter address, remitter telephone number, and delivery details (800). A web page including the interface screen is generated (or extracted) and transmitted to the terminal through the financial transaction channel (805). Through the interface screen, the remittance classification (for example, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address, Check whether the foreign currency remittance transaction information including all of the deposit bank store name, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the delivery details is input (or selected) (810).

If all the foreign currency remittance transaction information is input (or selected) at the terminal (815), the terminal generates predetermined foreign remittance request information including the input (or selected) foreign exchange remittance transaction information (820). .

According to the exemplary embodiment of the present invention, the foreign currency remittance request information through the financial transaction channel may include the remittance classification (eg, a presenter, an international student, an overseas system, etc.) input (or selected) through the interface screen; Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter, remitter address, remitter telephone It is preferable to include the foreign exchange remittance transaction information including all of the number, delivery details and the like.

The foreign currency remittance request information may include at least one or more passwords and / or security codes and / or OTP codes input through the interface screen to confirm validity of the foreign currency remittance request information.

Thereafter, the terminal transmits the foreign currency remittance request information to the server through the financial transaction channel (825).

According to an embodiment of the present invention, the sending of the foreign currency remittance request information through the financial transaction channel to the server may include the remittance classification (for example, a giftee, an overseas student, Overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter And at least one password and / or security code entered through the interface screen to verify the remittance address, remitter's address, remitter's phone number, and delivery details, and the validity of the remittance request information. Or transmitting an electronic signature and / or encryption through the security module provided in the terminal to the server through an OTP code. Than it has done.

Thereafter, the server receives and reads the foreign currency remittance request information through the financial transaction channel, thereby confirming the validity of the foreign currency remittance request information (830).

According to an embodiment of the present invention, receiving and reading the FX remittance request information through the financial transaction channel and confirming validity may decode the FX remittance request information received from the terminal and / or the FX remittance request information. This includes checking the digital signature attached to it.

In addition, the validity check of the foreign currency remittance request information, preferably further comprises authenticating the password and / or security code and / or OTP code included in the forex remittance request information.

If the validity of the foreign currency remittance request information is not authenticated (835), the server generates a web page including predetermined foreign remittance error information and transmits it to the terminal (840) and corresponds to the foreign currency remittance request information. Do not carry out the foreign currency remittance procedure.

On the other hand, if the validity of the foreign currency remittance request information is authenticated (835), the server is the remittance classification (for example, women, international students, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country Forex remittance transaction information including code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, remitter, remitter address, remitter's phone number, and details Generates a predetermined forex transfer processing full text including a (845).

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure transmitted and received through the international financial network, detailed description thereof will be omitted for convenience.

Thereafter, the server performs a forex remittance procedure using the forex remittance processing text in association with the financial system (850).

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains know the technical features of performing the forex transfer procedure corresponding to the forex remittance transaction information by transmitting the full text of the forex remittance processing through the international financial network. Since there will be, a detailed description thereof will be omitted for convenience.

If the forex remittance procedure is not completed normally (55), the server generates a web page including predetermined forex remittance error information and transmits it to the terminal (840), and forex remittance procedure corresponding to the forex remittance request information Do not do it.

If the foreign exchange remittance process is normally completed (855), the server generates a web page containing the foreign currency remittance history information including the result of the predetermined foreign currency transfer approval and transmits to the terminal (860), Complete the foreign currency remittance transaction procedure requested from the terminal.

9 is a diagram showing the configuration of an Internet banking based forex remittance trading system according to another embodiment of the present invention.

In more detail, FIG. 9 is a forex remittance transaction system shown in FIG. 1 by an Internet banking server 900 that provides a non-face-to-face financial transaction service based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network. The banking server 100 of the client, the client terminal 940 is connected to the Internet banking server 900 to process at least one or more non-face-to-face financial transactions is a financial transaction terminal of the foreign exchange transfer transaction system shown in Figure 1, When the foreign currency remittance operation information is provided in the DBMS on the Internet banking system, showing a system configuration for providing a foreign currency remittance transaction service based on the Internet banking system, the person having ordinary knowledge in the technical field to which the present invention belongs In this regard, various implementation methods for the forex trading system configuration may be inferred by referring to and / or modifying the drawing 9. Yet, the present invention is composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 9.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 9 to construct a face-to-face exchange remittance transaction system based on a counter terminal, or CD / ATM (Cash Dispenser / Non-face-to-face remittance transaction system configuration using an unmanned financial terminal including an automatic teller machine, or a wireless banking system and / or a telebanking system and / or a home banking system and / or a TV banking system and / or / or In the future, it is possible to infer a non-face-to-face foreign exchange remittance trading system configuration including at least one of the proposed non-face-to-face banking system, etc., but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited to implementation method.

Referring to FIG. 9 including an Internet banking based forex remittance trading system configuration corresponding to an embodiment of the present invention, the forex remittance trading system includes at least one client terminal 940 having a predetermined web browser program, Internet banking server 900 that provides at least one or more Internet banking services to the client terminal 940 via a network means including a wired communication network, and the Internet banking server 900 is connected to a predetermined interface means. And a financial system for processing a financial service corresponding to the Internet banking service.

The components of the Internet banking system for providing the foreign currency remittance transaction service according to the present invention are not limited to those described above, and further include at least one or more components omitted for convenience because they do not include the core technical matters of the present invention. Or, various modifications are possible according to the intention of a person skilled in the art.

That is, FIG. 9 illustrates the client terminal 940 and the internet banking server based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 940. Although the method of implementing the Internet banking system for processing the foreign currency remittance transaction between the 900 is shown, those of ordinary skill in the art, Internet banking based finance using the browser program shown in FIG. Internet for processing forex transfer transactions between the client terminal 940 and the internet banking server 900 based on a predetermined internet banking program mounted on the client terminal 940 by referring to and / or modifying a transaction channel connection method. It is possible to infer the banking system configuration, but the present invention is It includes an Internet banking system provided by the banking program is based, to which the present invention is not limited.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the Internet banking-based forex transfer method shown in Figure 9 to the foreign currency remittance operation information to the client terminal (940) It is possible to infer an implementation method provided in the financial IC card issued to the customer, but characterized in that it comprises all the inferred implementation method of the present invention.

The client terminal 940 includes at least one web browser for accessing the internet banking server 900 and receiving a browsing-based wired web service based on the TCP / IP-based wired communication function and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook, wherein the Internet banking server is provided through a predetermined network means including the TCP / IP-based Internet. 900 and a communication channel for internet banking is connected.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a windowing service such as a credit or receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one or more of the financial system; Interconnection between different financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking) provided in at least one or more external communication networks. , TV banking, etc.) to access the financial system, and / or at least one It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system Interface module corresponding to the middleware 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. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to store and manage.

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

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

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

Referring to FIG. 9 according to an embodiment of the present invention, the foreign system provided in the financial system is a foreign exchange processor that processes foreign exchange remittance transactions with foreign financial systems provided in at least one foreign financial institution through a predetermined international financial network. Characterized in that comprises a.

According to another exemplary embodiment of the present invention, the financial system may be provided with a separate foreign exchange system (not shown) for processing the foreign exchange remittance transaction, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, according to the present invention through the foreign exchange processing unit provided in the external world on the financial system, and / or a separate foreign exchange system (not shown) provided in the financial system Since you will be familiar with the detailed technical features of processing forex remittance transactions, the detailed description thereof will be omitted for convenience.

The internet banking server 900 is 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 940, and / or It is provided with a DBMS including a database for storing Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system, or in accordance with the method characterized in that the interworking with the data server provided with the DBMS. By doing so, a predetermined internet banking service is provided to at least one of the client terminals 940.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal 940 when at least one or more client terminals 940 access and log in to the Internet banking server 900, and / Or when the customer authenticates the financial transaction customer during at least one financial transaction through the internet banking server 900, and / or when the customer subscribes to the internet banking server 900 for at least one financial product. Customer authentication information for authenticating a customer subscribing to a banking element, and a banking element for processing a financial transaction corresponding to the financial transaction request by interworking with the financial system when the financial transaction request is made from the client through the client terminal 940. It is preferable to include information, and the information necessary for internet banking according to the intention of the skilled person But also one or more information may further include, in the figure 9 will be omitted for convenience.

Referring to FIG. 9 according to the embodiment of the present invention, the DBMS provided on the Internet banking system omits the foreign exchange remittance transaction information included in the forex remittance transaction when the Internet banking-based forex remittance transaction; And / or at least one of at least one of the at least one forex remittance transaction information as shown in FIG. 2 in order to extremely simplify the internet banking based forex remittance transaction procedure by automatically inputting (or automatically processing) the mutually defined information. And store the remittance operation information for storing the omitted information item and / or the automatic input information and / or the automatic processing information in association with the foreign financial institution information.

Here, the foreign currency remittance transaction information is remittance classification (eg, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address It is preferable to include at least one or more of the name of the bank, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary telephone number, the remitter, the remitter address, the remitter telephone number, the contents of the transfer.

Those skilled in the art to which the present invention belongs, will be familiar with the various foreign exchange remittance transaction information items according to the foreign exchange remittance amount and / or the type of foreign exchange remittance in addition to the foreign exchange remittance transaction information, the present invention all kinds It includes the information on the foreign currency remittance transaction of.

According to the implementation method of the present invention, the remittance classification item of the foreign exchange remittance transaction information, omit the foreign exchange remittance transaction information input procedure by the business partnership, or to any one of the presenter, international student, overseas system It is preferable to define and use separate remittance classification information according to the business partnership instead of automatically selecting or omitting the procedure for inputting the remittance transaction information corresponding to the remittance classification item.

In addition, the currency code item of the foreign currency remittance transaction information, the operation of the foreign exchange remittance transaction information is omitted by the business partnership, and the financial institution and the business in the process of generating a special forex remittance processing including the forex remittance transaction information It is desirable to automatically process the currency code of the country where the foreign financial institution with which the alliance is located is located.

In addition, the fee bearer item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the fee bearer item is omitted, the fee bearer may be forcibly set to one of the remitter / recipient. After designating as the remitter first, it is preferable to process the remitter so that the fee bearer can be changed in the process of inputting (or selecting) the remittance transaction information.

In addition, the region code item among the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, if the foreign currency remittance transaction information input procedure of the area code item is omitted, the area code may include an account corresponding to the beneficiary account number in the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Preferably, the local code corresponding to the region where the branch is located is forcibly set, or the region code corresponding to the region where the branch in which the account corresponding to the beneficiary account number is opened is located in the process of inputting the foreign currency remittance transaction information. It is preferable to designate as first, and then process the remitter to change the area code during the process of inputting (or selecting) the remittance transaction information.

In addition, the country code item of the foreign currency remittance transaction information may optionally be omitted by the business alliance, or may be automatically input as mutually defined information.

For example, when the foreign currency remittance transaction information input procedure of the country code item is omitted, the country code is preferably set to a country code corresponding to the country where the foreign financial institution that has entered into the business alliance with the financial institution is located. Alternatively, in the process of inputting foreign currency remittance transaction information, the country code is first designated as a country code corresponding to the country in which the foreign financial institution that has entered into the business partnership is located, and then the remitter enters (or selects) the foreign currency remittance transaction information. It is preferable to process so that the country code can be changed.

In addition, the bank number item of the foreign currency remittance transaction information, omitting the procedure for inputting the foreign currency remittance transaction information by the business partnership, and the financial institution and the business in the process of creating a special forex remittance processing including the foreign currency remittance transaction information It is preferable to automatically process a bank number corresponding to an overseas financial institution with which an alliance is established.

In addition, among the FX remittance transaction information, the deposit bank name item may be omitted, or may be automatically input as mutually defined information, optionally by omitting the FX remittance transaction information input by the business partnership.

For example, in the case where the procedure for inputting the foreign currency remittance transaction information of the deposit bank name item is omitted, it is preferable that the deposit bank name is forcibly set to a bank name corresponding to an overseas financial institution that has entered into a business alliance with the financial institution. Alternatively, the transfer bank name is first designated as the bank name corresponding to the foreign financial institution that has concluded the business partnership in the process of entering the foreign currency remittance transaction information, and then the remitter is the name of the deposit bank in the process of inputting (or selecting) the foreign currency remittance transaction information. It is desirable to treat it so that it can be changed.

In addition, the deposit bank address item of the foreign exchange remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institution and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the deposit bank address corresponding to the overseas financial institution that has signed the business partnership.

In addition, the deposit bank store name item of the foreign currency remittance transaction information omits the procedure for inputting the remittance transaction information by the business alliance, and the financial institutions and the financial institution in the process of generating a special forex remittance processing including the forex remittance transaction information. It is preferable to automatically process the name of the deposit bank store corresponding to the overseas financial institution that has signed the business partnership.

In addition, the payee item of the foreign currency remittance transaction information may omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and may include a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. Or, it may be desirable to automatically process separate (or any) payee information in accordance with the business partnership.

In addition, the recipient address of the remittance transaction information, omit the procedure for inputting the remittance transaction information by the business partnership, and set a null value in the process of generating a forex remittance processing full text including the remittance transaction information. It is desirable to include or automatically process separate (or any) payee address information in accordance with the business partnership.

In addition, the recipient telephone number item of the foreign currency remittance transaction information, omit the procedure for inputting the foreign currency remittance transaction information by the business alliance, and null value in the process of generating a full remittance forex remittance process including the forex remittance transaction information It is preferable to include, or automatically processed as a separate (or any) payee phone number information according to the business partnership.

In addition, the remitter item of the foreign currency remittance transaction information may omit the procedure for inputting the remittance transaction information by the business alliance, and include a null value in the process of generating a forex remittance processing full text including the forex remittance transaction information. Alternatively, it is preferable to extract the customer name of the financial transaction customer corresponding to the remitter from the customer ledger provided in the ledger D / B on the financial system and automatically process the remitter information.

In addition, the remitter address item of the foreign currency remittance transaction information is omitted in the process of generating a forex remittance processing full text including the forex remittance transaction information by omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer address of the financial transaction customer corresponding to the remitter from the customer ledger included in the ledger D / B on the financial system or to automatically process the remitter address information.

In addition, the remitter's phone number item of the foreign currency remittance transaction information is omitted in the process of creating a full-fledged foreign exchange remittance process including the forex remittance transaction information, omitting the procedure for inputting the remittance transaction information by the business partnership. It is preferable to extract the customer phone number of the financial transaction customer corresponding to the remitter from the customer ledger provided in the ledger D / B on the financial system or automatically processed by the remitter phone number information.

In addition, it is preferable that the transfer contents item of the foreign exchange remittance transaction information is automatically processed to be inputted with a null value when the foreign exchange remittance transaction information is input or the information can be changed when the information is input.

9, the Internet banking server 900 connects and manages a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing a predetermined Internet banking service to at least one or more client terminals 940. An interface unit 905, a web page operation unit 915 for operating a web page to be provided to at least one or more of the client terminals 940 in association with the web interface unit 905 and the DBMS, and the web page operation; A UI processing unit 910 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal 940 in cooperation with the unit 915, and the UI processing unit 910 Extracts predetermined content for providing the Internet banking service from the DBMS in conjunction with the DBMS, or predetermined content to be stored in the DBMS from the client terminal 940. Characterized in that it comprises a content operation unit 920 for receiving content, the communication for processing the Internet banking based on HTTP between the client terminal 940 and the Internet banking server 900 by the functional configuration Channels and user interfaces are implemented.

In addition, the Internet banking server 900 authenticates the customer to at least one client terminal 940 in cooperation with the webpage operation unit 915 through the UI processing unit 910 based on the customer authentication information of the Internet banking information. It is characterized in that it comprises a customer authentication unit 925 to provide an interface screen, or at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 900 interoperates with the webpage operation unit 915 through a UI processing unit 910 based on the banking element information of the internet banking information to at least one or more client terminals 940. A banking processor 930 may be provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 900 is provided with a ledger processing unit 935 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system through a predetermined interface means, and The ledger processing unit 935 is preferably connected to the external system of the financial system through the interface means.

The customer authentication information stored in the DBMS includes at least one of ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 900 through the client terminal 940. It is preferable to include the member information included above, wherein the customer authentication unit 925 requests the ID / PW information of the customer to the client terminal 940 in conjunction with the UI processing unit 910, The client terminal 940 receives the ID / PW information and compares the received ID / PW information with ID / PW information included in the member information, thereby authenticating the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 900 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal 940 is encrypted through at least one or more of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method Preferably, the customer authentication unit 925 further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (for example, financial settlement agency) and certificate server information that issued a predetermined certificate to the customer connected through the client terminal 940, and / or the certificate registration Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 925 requests a certificate-based customer authentication through an authentication certificate registered by the registrar to the certificate server of the certification authority, and receives the result of the customer authentication from the certificate server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 925 provides the communication session information and the certificate information connected to the client terminal 940 to the authentication server of the certification authority, the authentication server is the communication session information After performing a customer authentication procedure corresponding to the certificate information to the client terminal 940 based on the, it is preferable to provide the result to the customer authentication unit 925.

In addition, the customer authentication information stored in the DBMS is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 900 through the client terminal 940, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 925 is linked with the authentication server of the certification authority that issued a predetermined certificate to the client the client terminal 940 Requesting the certificate-based customer information, receiving the certificate-based customer information from the client terminal 940, and authenticating the certificate-based customer information through a copy of the certificate and / or a directory of a certification authority, thereby authenticating the customer. It is characterized in that the authentication.

According to an exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 925 or a predetermined random number generated by the client terminal 940, in which case the The client terminal 940 uses at least one of a symmetric key (or secret key) encryption scheme, and / or a public key encryption scheme, and / or an electronic envelope encryption scheme, and / or a key exchange encryption scheme for the random number through the certificate. Encrypted through the above encryption scheme provided to the customer authentication unit 925 (for example, if the random number is generated in the client terminal 940 further includes a random number in the form of a plain text), the customer authentication unit 925 Compares each other by decrypting an encrypted random number based on the copy of the customer's certificate and / or the certificate information of the customer extracted from the directory Or, and / or encrypt and compare the random number in the plain text form (for example, the random number generated by the customer authentication unit 925, and / or the random number generated by the client terminal 940), and then authenticate the customer. It is preferable.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the client terminal 940 previously stored information (for example, the Internet banking server 900 stored in the storage device of the client terminal 940). Information, and / or information (or system information) previously stored in the client terminal 940, and / or storage read out from an IC card (and / or IC chip) interworking with the client terminal 940. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the client terminal 940 is a symmetric key (or secret key) encryption scheme, and / or public key encryption scheme, and / or electronic envelope encryption scheme, and / or key exchange for the stored information through the certificate At least one of the encryption methods Encrypted through the above encryption method provided to the customer authentication unit 925, the customer authentication unit 925 is encrypted based on the authentication certificate information of the customer extracted from the copy of the customer's official certificate and / or the directory It is preferable to authenticate the customer by decrypting the stored stored information and comparing them with each other.

According to another exemplary embodiment of the present invention, the certificate-based customer information may include input information (eg, a key input device provided in the client terminal 940) input through an input means provided in the client terminal 940. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the client terminal 940, and in this case, the client terminal 940. The at least one encryption method of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method through the input certificate The encryption is provided through the customer authentication unit 925, and the image is extracted from the copy of the customer's official certificate and / or the directory in the customer authentication unit 925 It is preferable to authenticate the customer by decrypting and comparing the encrypted input information based on the existing certificate information of the customer.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 925 interoperates with the UI processing unit 910, requests a predetermined OTP code from the client terminal 940, receives the OTP code from the client terminal 940, and based on the OTP generation information. By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic at the client terminal 940 to provide a more advanced security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 925 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When the banking processing unit 930 requests at least one financial transaction (eg, account inquiry, bank transfer, bill payment, etc.) for the foreign currency remittance transaction according to the present invention from the client terminal 940, the UI processing unit 910 And provide the financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal 940 through the financial transaction request information input interface screen. When transaction request information is input (or selected) and received, the banking element information is generated (or extracted) and provided to the ledger processing unit 935 by referring to the banking element information. It is characterized by.

For example, when the financial transaction requested from the client terminal 940 is an account transfer transaction, the banking processing unit 930 may interwork with the UI processing unit 910 to transmit information to the client terminal 940 (for example, the account transfer). And a predetermined interface screen for inputting (or selecting) withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and transfer the account through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is inputted (or selected) and received, the withdrawal is referred to with reference to the banking element information. Generate predetermined financial transaction information to withdraw the transfer amount from the account to the deposit account to the ledger processing unit 935 And balls.

According to an embodiment of the present invention, the banking processing unit 930 receives at least one financial transaction request information from the client terminal 940, and performs at least one customer authentication scheme in cooperation with the customer authentication unit 925. It is preferable to authenticate the customer who requested the financial transaction through the client, and thereby the confidentiality of the customer who requested the financial transaction through the client terminal 940 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 930 may secure the confidentiality, authentication, integrity, and nonrepudiation of at least one financial transaction request information transmitted from the client terminal 940. In step 940, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is preferably transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 930 receives the financial transaction request information from the client terminal 940, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 930 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the client terminal 940 for at least one financial transaction. Preferably, the financial transaction request information is encrypted and transmitted in an electronic envelope method. In this case, the banking processor 930 receives the financial transaction request information from the client terminal 940 and decrypts the electronic transaction method. Preferably, this ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 935 may be linked with the financial system through a predetermined interface means. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 930, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system, extract the identified ledger information from the ledger on the financial system through the interface means, and / or correspond to the financial transaction information. And generate (or extract) ledger record information recorded in the ledger on the financial system, and record the generated (or extracted) ledger record information in the ledger on the financial system through the interface means.

For example, the financial transaction requested from the client terminal 940 is an account inquiry transaction for the last month, and the banking processing unit 930 provides financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry. When generated (or extracted), the ledger processing unit 935 is connected with the account ledger (and / or the account ledger) associated with the customer ledger on the financial system through the interface means based on the financial transaction information for the account inquiry. The transaction history for the last month is extracted from the transaction history of the account) and provided to the banking processor 930.

According to the present invention, the banking processing unit 930 is linked to the UI processing unit 910 and / or the web page operation unit 915 for the Internet banking-based forex transfer transaction service predetermined at least one of the foreign financial institutions Generates (or extracts) an interface screen for selecting (or inputs) an overseas financial institution for foreign exchange remittance and transfers the generated (or extracted) interface screen to the client terminal 940 through the web interface unit 905. Characterized in that the transmission.

Subsequently, when the client terminal 940 selects (or inputs) a foreign exchange target for foreign currency remittance through the interface screen, and transmits the selection information to the foreign financial institution corresponding to the foreign exchange remittance, the web interface unit. Receiving selection information of the foreign financial institution subject to the foreign currency remittance through 905, querying the DBMS on the Internet banking system to omit the target information item and / or automatically corresponding to the foreign financial institution subject to the foreign currency remittance selection information Confirm the operation of the foreign currency remittance operation including at least one input information and / or automatic processing information.

If forex remittance operation information corresponding to selection information for the foreign financial institution subject to the forex remittance is not confirmed, the banking processor 930 provides an internet banking gib or a forex remittance transaction service according to a conventional forex remittance procedure.

On the other hand, when the foreign currency remittance operation information corresponding to the selection information to the foreign financial institution targeted for foreign exchange remittance is confirmed, the banking processing unit 930 is linked with the UI processing unit 910 and / or the web page operation unit 915 the foreign exchange Generates an interface screen for inputting (or selecting) the remittance subject information included in the remittance operation information and the required input items other than the automatic processing information and the foreign currency remittance transaction information corresponding to the automatic input information, and the web interface unit 905 It is characterized in that for transmitting the generated (or extracted) interface screen to the client terminal 940 through.

According to the embodiment of the present invention, the required input item may include a remittance amount item and a payee account number item, and the automatic input information may be selectively included according to the intention of those skilled in the art.

According to another exemplary embodiment of the present invention, the automatic input information may be omitted from the interface screen. In this case, the automatic input information may be automatically converted into automatic processing information.

Thereafter, the client terminal 940 inputs the foreign currency remittance transaction information corresponding to the required input item through the interface screen, and maintains or changes the foreign exchange remittance transaction information corresponding to the automatic input information. When the corresponding foreign currency remittance transaction information is transmitted, the foreign exchange remittance transaction information is received through the web interface 905.

When the forex remittance transaction information corresponding to the required input item and the auto input item is received from the client terminal 940, the banking processor 930 selects at least one information item corresponding to the automatic processing information among the forex remittance transaction information. And / or extract and / or generate.

According to the method of the present invention, the banking processing unit 930 reads the remittance account number, the foreign currency remittance transaction information corresponding to at least one or more automatic processing information (eg, area code item, deposit bank address item, deposit) Remittance transaction information (e.g., currency code item, country code item, etc.) corresponding to at least one or more automatic processing information for identifying a bank store name item and / or confirming the foreign financial institution subject to the foreign currency remittance through selection information. Bank number entries, etc.).

In addition, the banking processing unit 930 is to extract the foreign currency remittance transaction information (for example, remitter items, remitter address items, remitter phone number items) extracted from the customer ledger provided in the ledger D / B provided in the financial system desirable.

In addition, the banking processing unit 930 generates the foreign currency remittance transaction information corresponding to the information item that can be omitted in accordance with the business alliance with the foreign financial institution corresponding to the selected information to the foreign financial institution subject to the foreign currency remittance to a null value It is preferable.

Thereafter, the banking processing unit 930 generates a predetermined forex remittance processing telegram including the required input item and the automatic input information received from the client terminal 940 and the automatic processing information generated, the extracted / extracted / generated information, Characterized in that it provides the forex transfer full text to the financial system through the ledger processing unit 935.

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure that is transmitted and received through the international financial network, so a detailed description thereof will be omitted for convenience.

The financial system provided with the foreign currency remittance processing full text from the internet banking server 900 is the foreign currency remittance processing specialty through the international financial network to the financial system of the foreign financial institution corresponding to the selected foreign financial institution for the selected information By performing the transmission, a forex remittance procedure corresponding to the forex remittance transaction information is performed.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of transmitting the full text of the foreign currency remittance processing through the international financial network, a detailed description thereof will be omitted for convenience.

10 is a diagram illustrating a process of connecting a financial transaction channel for an internet banking-based forex remittance transaction according to another embodiment of the present invention.

In more detail, FIG. 10 illustrates a foreign exchange remittance trading system shown in FIG. 1 by an Internet banking server 900 that provides a non-face-to-face financial transaction service based on a transmission control protocol / Internet protocol (TCP / IP) based wired communication network. The banking server 100 of the client, the client terminal 940 is connected to the Internet banking server 900 to process at least one or more non-face-to-face financial transactions is a financial transaction terminal of the foreign exchange transfer transaction system shown in Figure 1, When the foreign currency remittance operation information is provided in the DBMS on the internet banking system, the client terminal 940 and the internet banking server (by performing a predetermined customer authentication procedure to provide a foreign currency remittance transaction service based on the internet banking system) 900 is an implementation method for connecting an internet banking-based financial transaction channel between the technical field to which the present invention belongs. Those skilled in the art may refer to and / or modify this drawing 10 to connect various Internet banking-based financial transaction channels for foreign exchange remittance transactions between the client terminal 940 and the internet banking server 900. 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.

That is, FIG. 10 illustrates a connection to the Internet banking server 900 through a predetermined browser program (eg, Microsoft's Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 940. Although an implementation method of connecting an internet banking-based financial transaction channel for foreign exchange remittance transaction between the client terminal 940 and the internet banking server 900 based on the browser program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art may refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 10 and based on a predetermined internet banking program mounted on the client terminal 940. Forex remittance transaction between the terminal 940 and the Internet banking server 900 Would be able to infer the exemplary method for connecting the Internet banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 10, a telebanking system and / or Other banking systems, such as wireless banking systems and / or home banking systems and / or TV banking systems, may infer a method of implementing non-face-to-face channel-based financial trading channels for forex transfers, but the present invention may infer the tele- Banking systems and / or wireless banking systems and / or and / or home banking systems and / or TV banking systems and / or any non-face-to-face channel banking systems proposed in the future, The technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 10, the client terminal 940 is referred to as a "terminal" for convenience, and the Internet banking server 900 is referred to as a "server" for convenience.

Referring to FIG. 10, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000), the server connects a communication channel between the terminal and the server through the browser. (1005) Here, the communication channel is a server generating (or extracting) a predetermined web page by a request of a browser program included in the client terminal 940 and transmitting the web page to the client terminal 940. Assigns a predetermined communication session so that a browser program included in the client terminal 940 can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. Means.

According to another embodiment of the present invention, when the client terminal 940 is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one of the Internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1010).

According to another exemplary embodiment of the present invention, when the client terminal 940 is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or the last update date information, and the like, so that the internet banking program can be used. You can check whether you want to update the program (and / or the security module associated with the Internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1015), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1020).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1025), or if the terminal does not need to load and / or update the security module for internet banking (1015), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1030), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by using an encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also the information (or Attaching a predetermined digital signature to data and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another embodiment of the present invention, when the client terminal 940 is provided with a predetermined internet banking program, the Internet banking-based secure channel is provided from the server to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method. Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm), and also from the terminal to the server for a foreign currency remittance transaction. Attach a predetermined digital signature to information (or data) to be provided and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1040), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal. (1045).

If the Internet banking customer authentication fails (1050), the server blocks the Internet banking secure channel for the terminal (1055), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1060), where the Internet banking-based The financial transaction channel refers to a communication channel capable of providing a non-face-to-face internet banking-based forex remittance transaction in the server in response to the forex remittance transaction request requested from the terminal.

11a and 11b illustrate an internet banking-based forex remittance transaction process according to another embodiment of the present invention.

11A and 11B illustrate the Internet banking-based FX remittance trading system shown in FIG. 9, wherein the client terminal 940 is connected to the Internet banking server 900 through the process shown in FIG. After accessing and performing a predetermined customer authentication procedure, if an internet banking-based financial transaction channel is connected between the client terminal 940 and the internet banking server 900, the internet terminal based financial transaction on the client terminal 940 is connected. Request forex remittance transaction to the internet banking server 900 through a channel, and the remittance operation information shown in FIG. 2 for the forex remittance transaction procedure corresponding to the requested forex remittance transaction in the internet banking server 900. As an embodiment of the present invention is based on an extremely simplified process, and having ordinary skill in the art to which the present invention pertains, 11a and 11b, the present invention may infer various financial transaction methods using an internet banking-based financial transaction channel between the client terminal 940 and the internet banking server 900. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

That is, FIGS. 11A and 11B are provided to the Internet banking server 900 through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal 940. When the Internet banking-based financial transaction channel is connected to the internet banking, a method of processing a financial transaction requested from the client terminal 940 through the browser program is illustrated. However, the present invention has general knowledge in the technical field to which the present invention pertains. Growing up, the client terminal (based on a predetermined Internet banking program mounted on the client terminal 940 by referring to and / or modifying the Internet banking-based financial transaction method using the browser programs shown in FIGS. 11A and 11B) 940 and Internet banking server 900 Would be able to infer the type of the Internet banking based financial transaction method, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction method shown in FIGS. 11A and 11B, in addition to the Internet banking system, and / or a telebanking system. Or another banking system, such as a wireless banking system and / or a home banking system and / or a TV banking system, may infer a non-face-to-face channel based financial transaction method for forex transfers, but the present invention provides the telebanking system and / or Or a non-face-to-face channel based financial transaction method of any kind, including a wireless banking system and / or a home banking system and / or a TV banking system and / or a non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 11A and 11B.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the Internet banking-based forex transfer method shown in Figures 11a and 11b to the forex operation information is the client terminal ( It is possible to infer an implementation method provided at 940 or provided in the financial IC card issued to the customer, but it is characterized by including all the inferred implementation methods of the present invention.

11A and 11B, the client terminal 940 shown in FIG. 9 is referred to as " terminal " for convenience, and the Internet banking server 900 shown in FIG. 9 is referred to as " server "

11A and 11B, when the terminal and the server are connected to the internet banking-based financial transaction channel through the process illustrated in FIG. 10, the terminal is connected to the internet banking-based financial transaction channel for foreign exchange remittance transaction. If the server requests an internet banking based forex remittance transaction through the server (1100), the server may process the forex remittance transaction in response to the internet banking based forex remittance transaction requested from the terminal. Generate (or extract) an interface screen for selecting (or input) a foreign financial institution to which a foreign exchange target is selected (1105), and generate (or extract) a web page including the interface screen to perform the financial transaction channel; Through the transmission to the terminal (1110).

Subsequently, the terminal determines whether the selection information is selected (or input) from a foreign financial institution subject to foreign currency remittance through an interface screen for selecting (or inputting) selection information of the foreign financial institution subject to the foreign currency remittance (1115). If the selection information (or input) is selected (or input) for the foreign exchange target foreign currency institution through the interface screen (1120), the terminal is the foreign currency transfer target selected (or input) to the server through the financial transaction channel The selection information is transmitted to the foreign financial institution (1125).

The server receives selection information of the foreign financial institution targeted for the foreign currency remittance through the financial transaction channel, and is provided in the DBMS provided on the Internet banking system based on the selection information of the foreign financial institution targeted for the foreign currency remittance. By retrieving the foreign currency remittance operation information, the foreign financial institution subject to the foreign currency remittance checks whether the foreign currency remittance operation information corresponding to the selection information exists (1130).

If forex remittance operation information corresponding to selection information for the foreign financial institution subject to the forex remittance is not confirmed (1135), the server is divided into remittance classification (for example, women, international students, overseas systems as shown in Figure 12) Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter, remitter address Forex remittance transaction is performed through the remittance interface, which inputs (or selects) all the remitter's phone numbers and the contents of delivery.

On the other hand, if the foreign currency remittance operation information corresponding to the selection information to the foreign financial institution subject to the foreign currency remittance is not confirmed (1135), the server checks at least one or more required input items and the automatic input information from the confirmed foreign exchange remittance information; In operation 1145, a predetermined interface screen for inputting (or selecting) the identified required input items and automatic input items is generated (or extracted).

According to the embodiment of the present invention, the required input item may include a remittance amount item and a payee account number item, and the automatic input information may be selectively included according to the intention of those skilled in the art.

According to another exemplary embodiment of the present invention, the automatic input information may be omitted from the interface screen, and in this case, the automatic input information may be automatically converted into automatic processing information.

According to an exemplary embodiment of the present invention, the interface screen may include a user interface for inputting (or selecting) a required input item corresponding to the foreign currency remittance operation information and changing (or selecting) the automatic input information. It is preferable to include.

In addition, when the forex remittance transaction information corresponding to the mandatory input item is input from the terminal, the interface screen displays the forex remittance transaction information corresponding to the mandatory input item and the forex remittance transaction information corresponding to the automatic input information. In accordance with the present invention, it is preferable to include a function for generating forex remittance request information for transmission to the server.

In addition, the interface screen may be provided to a security card issued to a customer in the process of applying for a predetermined password (eg, account password, etc.) and / or security code (eg, internet banking) in order to authenticate the validity of the generated foreign money transfer request information. Printed security codes) and / or one time passwords (eg, one-time passwords generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the Internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

Thereafter, the server generates (or extracts) a web page including an interface screen including essential input items and automatic input information corresponding to the foreign currency remittance operation information, and transmits the webpage to the terminal through the financial transaction channel ( In response to this, the terminal checks whether the FX remittance transaction information corresponding to the required input item is input (or selected) through the interface screen (1155).

According to the embodiment of the present invention, the automatic input information included in the interface screen may not be input (or selected) in the terminal. In this case, the automatic input information is processed as the foreign exchange remittance transaction information as it is.

If the terminal inputs (or selects) foreign exchange remittance transaction information corresponding to the required input item (1160), the terminal transmits foreign exchange remittance information corresponding to the required input item and the foreign currency remittance corresponding to the automatic input information. Generates foreign currency remittance request information including transaction information (1165).

According to an embodiment of the present invention, the foreign currency remittance request information through the financial transaction channel corresponds to the foreign currency remittance transaction information and the automatic input information corresponding to the required input item input (or selected) through the interface screen. It is preferable to include the information of the foreign currency remittance transaction.

The foreign currency remittance request information may include at least one or more passwords and / or security codes and / or OTP codes input through the interface screen to confirm validity of the foreign currency remittance request information.

Thereafter, the terminal transmits the foreign currency remittance request information to the server through the financial transaction channel (1170).

According to the exemplary embodiment of the present invention, transmitting the foreign currency remittance request information to the server through the financial transaction channel includes: foreign exchange remittance transaction information corresponding to the required input item input (or selected) through the interface screen; Forex remittance transaction information corresponding to the automatic input information, and at least one password and / or security code and / or OTP code input through the interface screen to confirm the validity of the remittance request information to the terminal It comprises the electronic signature and / or encryption through the provided security module and transmitting to the server.

Thereafter, the server receives and reads the foreign currency remittance request information through the financial transaction channel, thereby confirming the validity of the foreign currency remittance request information (1175).

According to an embodiment of the present invention, receiving and reading the FX remittance request information through the financial transaction channel and confirming validity may decode the FX remittance request information received from the terminal and / or the FX remittance request information. This includes checking the digital signature attached to it.

In addition, the validity check of the foreign currency remittance request information, preferably further comprises authenticating the password and / or security code and / or OTP code included in the forex remittance request information.

If the validity of the foreign currency remittance request information is not authenticated (1180), the server generates a web page including predetermined foreign remittance error information and transmits it to the terminal (1182), and corresponds to the foreign exchange remittance request information. Do not carry out the foreign currency remittance procedure.

On the other hand, if the validity of the foreign currency remittance request information is authenticated (1180), the server identifies and / or extracts at least one or more automatic processing information to be included in the forex remittance processing full text using the forex remittance transaction information from the remittance operation information. And / or create (1184).

According to an embodiment of the present invention, the server may read the remittance account number, the foreign exchange remittance transaction information corresponding to at least one or more automatic processing information (eg, area code item, deposit bank address item, deposit bank store name item, etc.) ) And / or foreign exchange remittance transaction information (e.g., currency code item, country code item, bank number item, etc.) corresponding to at least one or more automatic processing information which can confirm the foreign financial institution subject to the foreign currency remittance through selection information. Is preferable.

In addition, the server preferably extracts forex remittance transaction information (eg, remitter item, remitter address item, remitter phone number item) extractable from the customer ledger provided in the ledger D / B provided in the financial system.

In addition, the server preferably generates a foreign currency remittance transaction information corresponding to the information items that can be omitted in accordance with the business alliance with the foreign financial institution corresponding to the selected foreign financial institution for the foreign currency remittance to a null value.

Thereafter, the server transmits the foreign currency remittance transaction information corresponding to the required input item included in the foreign exchange remittance request information and the foreign currency remittance transaction information corresponding to the automatic input information and the automatic processing information generated by the confirmation and / or extraction and / or generated. A predetermined forex transfer processing text including corresponding forex transfer information is generated (1186).

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure transmitted and received through the international financial network, detailed description thereof will be omitted for convenience.

Thereafter, the server performs a forex remittance procedure using the forex remittance preamble in connection with the financial system (1188).

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains know the technical features of performing the forex transfer procedure corresponding to the forex remittance transaction information by transmitting the full text of the forex remittance processing through the international financial network. Since there will be, a detailed description thereof will be omitted for convenience.

If the foreign currency remittance procedure is not completed normally (1190), the server generates a web page containing a predetermined foreign currency remittance error information and transmits it to the terminal (1182), the foreign exchange responsive to the forex remittance request information Do not perform the procedure.

If the foreign currency remittance procedure is completed normally (1190), the server generates a web page including the foreign currency remittance history information including the result of the predetermined foreign currency remittance approval to transmit to the terminal (1192), Complete the foreign currency remittance transaction procedure requested from the terminal.

12 is a diagram illustrating a foreign exchange remittance transaction process according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a case in which foreign currency remittance operation information corresponding to selection information of the foreign financial institution subject to the foreign currency remittance is not confirmed while performing the internet banking-based foreign exchange remittance transaction procedure shown in FIGS. 11a and 11b. Remittance classification (e.g., women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, recipient It is about the process of performing the foreign currency remittance transaction process through the FX remittance interface which inputs (or selects) all the account number, payee address, payee phone number, remitter, remitter address, remitter's phone number, and contents.

Hereinafter, in FIG. 12, the client terminal 940 shown in FIG. 9 is referred to as "terminal" for convenience, and the Internet banking server 900 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 12, if the foreign exchange remittance operation information corresponding to the selection information of the foreign financial institution subject to the foreign currency remittance is not confirmed while performing the internet banking-based foreign exchange remittance transaction procedure shown in FIGS. 11a and 11b, the server The remittance classification (for example, gift women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, bank name, bank address, bank name, recipient And generate (or extract) an interface screen including a remittance account number, a remittance address, a remittance phone number, a remitter, a remitter address, a remitter's phone number, a remittance address, etc. The web page including the interface screen is generated (or extracted) and transmitted to the terminal through the financial transaction channel (1205). The remittance classification (for example, women, international students, overseas systems, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name, deposit bank address through the interface screen Verify that the foreign currency remittance transaction information including the name of the remittance bank store, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transfer is entered (or selected) (1210). ).

If all the foreign currency remittance transaction information is input (or selected) at the terminal (1215), the terminal generates predetermined foreign remittance request information including the input (or selected) remittance transaction information (1220). .

According to the exemplary embodiment of the present invention, the foreign currency remittance request information through the financial transaction channel may include the remittance classification (eg, a presenter, an international student, an overseas system, etc.) input (or selected) through the interface screen; Currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter, remitter address, remitter telephone It is preferable to include the foreign exchange remittance transaction information including all of the number, delivery details and the like.

The foreign currency remittance request information may include at least one or more passwords and / or security codes and / or OTP codes input through the interface screen to confirm validity of the foreign currency remittance request information.

Thereafter, the terminal transmits the foreign currency remittance request information to the server through the financial transaction channel (1225).

According to an embodiment of the present invention, the sending of the foreign currency remittance request information through the financial transaction channel to the server may include the remittance classification (for example, a giftee, an overseas student, Overseas system, etc.), currency code, remittance amount, fee bearer, area code, country code, bank number, bank name of bank, bank address of bank, bank name of bank, beneficiary, beneficiary account number, beneficiary address, beneficiary phone number, remitter And at least one password and / or security code entered through the interface screen to verify the remittance address, remitter's address, remitter's phone number, and delivery details, and the validity of the remittance request information. Or transmitting the electronic signature and / or encryption to the server through an OTP code or the like through a security module provided in the terminal. Is done.

Thereafter, the server receives and reads the foreign currency remittance request information through the financial transaction channel, thereby confirming the validity of the foreign currency remittance request information (1230).

According to an embodiment of the present invention, receiving and reading the FX remittance request information through the financial transaction channel and confirming validity may decode the FX remittance request information received from the terminal and / or the FX remittance request information. This includes checking the digital signature attached to it.

In addition, the validity check of the foreign currency remittance request information, preferably further comprises authenticating the password and / or security code and / or OTP code included in the forex remittance request information.

If the validity of the foreign currency remittance request information is not authenticated (1235), the server generates a web page including predetermined foreign remittance error information and transmits it to the terminal (1240), corresponding to the foreign exchange remittance request information. Do not carry out the foreign currency remittance procedure.

On the other hand, if the validity of the foreign currency remittance request information is authenticated (1235), the server transfers the remittance classification (for example, presenter, international student, overseas system, etc.), currency code, remittance amount, fee bearer, area code, country Forex remittance transaction information including code, bank number, bank name, bank name, bank address, bank name, payee, payee account number, payee address, payee phone number, remitter, remitter address, remitter's phone number, and details Generate a predetermined forex remittance processing full text including (1245).

Those skilled in the art to which the present invention pertains will be familiar with the foreign exchange remittance processing structure transmitted and received through the international financial network, detailed description thereof will be omitted for convenience.

Thereafter, the server performs a forex remittance procedure using the forex remittance preamble in connection with the financial system (1250).

According to the implementation method of the present invention, the foreign exchange remittance processing full text is preferably provided to the foreign exchange processing unit provided in the external system on the financial system, or provided to the foreign exchange system (not shown) provided on the financial system.

Those skilled in the art to which the present invention pertains know the technical features of performing the forex transfer procedure corresponding to the forex remittance transaction information by transmitting the full text of the forex remittance processing through the international financial network. Since there will be, a detailed description thereof will be omitted for convenience.

If the forex remittance procedure is not completed normally (55, the server generates a web page including a predetermined remittance error information and transmits it to the terminal (1240), the forex remittance procedure corresponding to the forex remittance request information) Do not do it.

If the foreign exchange remittance process is normally completed (1255), the server generates a web page containing the foreign currency remittance history information including the result of the predetermined foreign currency transfer approval and transmits to the terminal (1260), the Complete the foreign currency remittance transaction procedure requested from the terminal.

According to the present invention, a part of the information of the foreign currency transfer transaction is omitted, and / or automatically entered, and / or automatically processed based on a business partnership between the financial institution providing the foreign currency transfer transaction service and at least one overseas financial institution. By doing so, there is an advantage of greatly simplifying the foreign exchange remittance transaction procedure.

According to the present invention, by omitting, and / or automatically inputting, and / or personalizing the processed forex remittance transaction information based on a business partnership between the at least one foreign financial institution and the financial institution providing the forex transfer service, In addition, it has the advantage of further simplifying the process of foreign exchange remittance transactions of customers who process the remittance transactions periodically.

Claims (5)

Remittance classification, currency code, remittance amount, fee bearer, area code, country code, bank number, name of bank, The remittance bank address, the name of the remittance bank store, the beneficiary, the beneficiary account number, the beneficiary address, the beneficiary phone number, the remitter, the remitter address, the remitter's telephone number, and the contents of the transmission, the remittance amount and the remittance account number are required. Storing at least one other information item, a remittance target information item, automatic input information, or foreign currency remittance operation information processed as automatic processing information on a predetermined storage medium; In the case of a predetermined foreign exchange remittance transaction, a predetermined interface providing means extracts a mandatory input item and an information item processed as automatic input information from the foreign currency remittance operation information stored in the storage medium, and the foreign exchange remittance customer corresponds to the mandatory input item. Inputting forex remittance transaction information and providing an interface for checking and / or changing forex remittance transaction information corresponding to the automatic input information; When the foreign currency remittance transaction information corresponding to the required input item and the foreign currency remittance transaction information corresponding to the automatic input information are processed through the interface, a predetermined foreign exchange remittance processing full text is generated by a predetermined forex remittance processing means to generate international finance. And transmitting to an overseas financial company server through a network. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. delete

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